<SEC-DOCUMENT>0001213900-20-028638.txt : 20201026
<SEC-HEADER>0001213900-20-028638.hdr.sgml : 20201026
<ACCEPTANCE-DATETIME>20200928151110
ACCESSION NUMBER:		0001213900-20-028638
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		95
CONFORMED PERIOD OF REPORT:	20200630
FILED AS OF DATE:		20200928
DATE AS OF CHANGE:		20200928

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Kentucky First Federal Bancorp
		CENTRAL INDEX KEY:			0001297341
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				611484858
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-51176
		FILM NUMBER:		201204092

	BUSINESS ADDRESS:	
		STREET 1:		479 MAIN STREET
		CITY:			HAZARD
		STATE:			KY
		ZIP:			41702
		BUSINESS PHONE:		(606) 436-3860

	MAIL ADDRESS:	
		STREET 1:		479 MAIN STREET
		CITY:			HAZARD
		STATE:			KY
		ZIP:			41702

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Kentucky First Federal Bancorp Inc
		DATE OF NAME CHANGE:	20040715
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>f10k2020_kentuckyfirst.htm
<DESCRIPTION>ANNUAL REPORT
<TEXT>
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<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0; margin-bottom: 0; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>UNITED
STATES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECURITIES
AND EXCHANGE COMMISSION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>WASHINGTON,
DC 20549</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>FORM
10-K</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Mark
One)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#9746; <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ANNUAL
REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
the fiscal year ended June 30, 2020</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>or</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#9744; <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>TRANSITION
REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
the transition period from <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> to <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Commission
file number&nbsp;<B><U>0-51176</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>KENTUCKY
FIRST FEDERAL BANCORP</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Exact
Name of Registrant as Specified in Its Charter)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 49%; border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>United
    States</B></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 2%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 49%; border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>61-1484858</B></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(State
    or Other Jurisdiction of</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(I.R.S.
    Employer</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Incorporation
    or Organization)</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Identification
    No.)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 49%; border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>655
    Main Street, Hazard, Kentucky</B></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 2%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 49%; border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>41702</B></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Address
    of Principal Executive Offices)</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Zip
    Code)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Registrant&rsquo;s
telephone number, including area code: <B><U>(502) 223-1638</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities
registered pursuant to Section 12(b) of the Act:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 32%; border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Title
    of each class</B></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 32%; border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Trading
    symbol(s)</B></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 34%; border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Name
    of each exchange on which<BR>
    registered</B></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common
    Stock, $0.01 par value per share </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">KFFB</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    NASDAQ Stock Market LLC</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities
registered pursuant to Section 12(g) of the Act: <B><U>None</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate
by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes &#9744; No
&#9746;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate
by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes &#9744;
No &#9746;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate
by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports),
and (2) has been subject to such filing requirements for the past 90 days. Yes &#9746; No &#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate
by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant
to Rule 405 of Regulation S-T (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that
the registrant was required to submit such files). Yes &#9746; No &#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate
by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting
company or an emerging growth company. See the definitions of &ldquo;large accelerated filer,&rdquo; &ldquo;accelerated filer,&rdquo;
&ldquo;smaller reporting company&rdquo; and &ldquo;emerging growth company&rdquo; in Rule 12b-2 of the Exchange Act.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 6%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 42%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Large
    accelerated filer &#9744;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accelerated
    filer &#9744;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-accelerated
    filer &#9746;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Smaller
    reporting company &#9746;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Emerging
    growth company &#9744;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; 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;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate
by check mark whether the registrant has filed a report on and attestation to its management&rsquo;s assessment of the effectiveness
of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered
public accounting firm that prepared or issued its audit report. &#9744;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indicate
by a check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes &#9744; No&nbsp;&#9746;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
aggregate market value of the common stock held by nonaffiliates was $23.7 million as of December 31, 2019.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Number
of shares of common stock outstanding as of September 24, 2020: 8,252,215</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>DOCUMENTS
INCORPORATED BY REFERENCE</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following lists the documents incorporated by reference and the Part of the Form 10-K into which the document is incorporated:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 24px"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 24px"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Portions
    of the Annual Report to Stockholders for the Fiscal Year Ended June 30, 2020. (Part II)</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Portions
    of Proxy Statement for the 2020 Annual Meeting of Stockholders. (Part III)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>INDEX</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; width: 82%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; width: 8%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>PAGE</B></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>PART I</B></FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    1.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Business</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    1A.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risk Factors</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    1B.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unresolved Staff Comments</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    2.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Properties</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    3.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceedings</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    4.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mine Safety Disclosures</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>PART II</B></FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">28</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    5.</FONT></TD>
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in; font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Market for Registrant&rsquo;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    6.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Selected Financial Data</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">29</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    7.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management&rsquo;s Discussion and Analysis of Financial Condition and Results of Operations</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">29</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    7A.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quantitative and Qualitative Disclosures About Market Risk</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">29</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    8.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial Statements and Supplementary Data</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">29</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    9.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_014"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes in and Disagreements with Accountants on Accounting and Financial Disclosure</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">29</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    9A.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Controls and Procedures</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">29</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    9B.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_016"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Information</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">31</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_017"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>PART III</B></FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">32</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    10.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_018"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Directors, Executive Officers and Corporate Governance</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">32</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    11.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_019"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive Compensation</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">32</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    12.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_020"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">32</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    13.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_021"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Relationships and Related Transactions, and Director Independence</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">33</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    14.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_022"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Principal Accountant Fees and Services</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">33</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_023"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>PART IV</B></FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">34</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    15.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_024"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exhibits and Financial Statement Schedules</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center">34</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Item
    16.</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_025"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Form 10-K Summary</FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: white">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; background-color: #CCEEFF">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top"><A HREF="#a_026"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SIGNATURES</B></FONT></A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">36</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="a_001"></A><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>PART
I</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_002"></A><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Item
1.</U></B><U>&nbsp;&nbsp;<B>Business.</B></U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Forward-Looking
Statements</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>&nbsp;</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Certain
statements contained in this report that are not historical facts are forward-looking statements that are subject to certain risks
and uncertainties. When used herein, the terms &ldquo;anticipates,&rdquo; &ldquo;plans,&rdquo; &ldquo;expects,&rdquo; &ldquo;believes,&rdquo;
and similar expressions as they relate to Kentucky First Federal Bancorp or its management are intended to identify such forward
looking statements. Kentucky First Federal Bancorp&rsquo;s actual results, performance or achievements may materially differ from
those expressed or implied in the forward-looking statements. Risks and uncertainties that could cause or contribute to such material
differences include, but are not limited to, general economic conditions, prices for real estate in the Company&rsquo;s market
areas, interest rate environment, competitive conditions in the financial services industry, changes in law, governmental policies
and regulations, rapidly changing technology affecting financial services, the potential effects of the COVID-19 pandemic on the
local and national economic environment, on our customers and on our operations (as well as any changes to federal, state and
local government laws, regulations and orders in connection with the pandemic), and the other matters mentioned in Item 1A of
this Annual Report on Form 10-K. Except as required by applicable law or regulation, the Company does not undertake the responsibility,
and specifically disclaims any obligation, to release publicly the result of any revisions that may be made to any forward-looking
statements to reflect events or circumstances after the date of the statements or to reflect the occurrence of anticipated or
unanticipated events.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>&nbsp;&nbsp;</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>General
</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>References
in this Annual Report on Form 10-K to &ldquo;we,&rdquo; &ldquo;us&rdquo; and &ldquo;our&rdquo; refer to Kentucky First, and where
appropriate, collectively to Kentucky First, First Federal of Hazard and First Federal of Kentucky.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>&nbsp;</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Kentucky
First Federal Bancorp. </I></B>Kentucky First Federal Bancorp (&ldquo;Kentucky First&rdquo; or the &ldquo;Company&rdquo;) was
incorporated as a mid-tier holding company under the laws of the United States on March 2, 2005 upon the completion of the reorganization
of First Federal Savings and Loan Association of Hazard (&ldquo;First Federal of Hazard&rdquo;) into a federal mutual holding
company form of organization (the &ldquo;Reorganization&rdquo;). On that date, Kentucky First also completed its minority stock
offering and its concurrent acquisition of Frankfort First Bancorp, Inc. (&ldquo;Frankfort First Bancorp&rdquo;) and its wholly
owned subsidiary First Federal Savings Bank of Kentucky, Frankfort, Kentucky (&ldquo;First Federal of Kentucky&rdquo;) (the &ldquo;Merger&rdquo;).
Following the Reorganization and Merger, the Company has operated First Federal of Hazard and First Federal of Kentucky (collectively,
the &ldquo;Banks&rdquo;) as two independent, community-oriented savings institutions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
December 31, 2012, Kentucky First acquired CFK Bancorp, Inc., the savings and loan holding company for Central Kentucky Federal
Savings Bank, a federally chartered savings bank located in Danville, Kentucky. Central Kentucky Federal Savings Bank was merged
into First Federal of Kentucky and now operates as a division of First Federal of Kentucky under the name &ldquo;Central Kentucky
Federal Savings Bank&rdquo; through its two offices in Danville, Kentucky and its Lancaster, Kentucky branch. With the acquisition,
the Company expanded its customer base in the central Kentucky area with an institution that shared its community banking orientation
and thrift heritage and enjoyed a favorable reputation within the new Danville-Lancaster market area.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kentucky
First&rsquo;s and First Federal of Hazard&rsquo;s executive offices are located at 655 Main Street, Hazard, Kentucky, 41702 and
the telephone number for investor relations is (888) 818-3372.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
June 30, 2020, Kentucky First had total assets of $321.1 million, deposits of $212.3 million and stockholders&rsquo; equity of
$51.9 million. The discussion in this Annual Report on Form 10-K relates primarily to the businesses of First Federal of Hazard
and First Federal of Kentucky, as Kentucky First&rsquo;s operations consist primarily of operating the Banks and investing funds
retained in the Reorganization.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Federal of Hazard and First Federal of Kentucky are subject to examination and comprehensive regulation by the Office of the Comptroller
of the Currency and their savings deposits are insured up to applicable limits by the Deposit Insurance Fund, which is administered
by the Federal Deposit Insurance Corporation. Both of the Banks are members of the Federal Home Loan Bank of Cincinnati, which
is one of the 12 regional banks in the FHLB System. See &ldquo;<I>Regulation and Supervision</I>.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>First
Federal Savings and Loan Association of Hazard.</I></B> First Federal of Hazard was formed as a federally chartered mutual savings
and loan association in 1960. First Federal of Hazard operates from a single office located at 655 Main Street, Hazard, Kentucky
as a community-oriented savings and loan association offering traditional financial services to consumers in Perry and surrounding
counties in eastern Kentucky. It engages primarily in the business of attracting deposits from the general public and using such
funds to originate, when available, loans secured by first mortgages on owner-occupied, residential real estate and occasionally
other loans secured by real estate. To the extent there is insufficient loan demand in its market area, and where appropriate
under its investment policies, First Federal of Hazard has historically invested in mortgage-backed and investment securities,
although since the reorganization, First Federal of Hazard has been purchasing whole loans and participations in loans originated
at First Federal of Kentucky. At June 30, 2020, First Federal of Hazard had total assets of $82.1 million, net loans of $74.1
million, total mortgage-backed and other securities of $162,000, deposits of $47.9 million and total capital of $18.3 million.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>First
Federal Savings Bank of Kentucky. </I></B>First Federal of Kentucky is a federally chartered savings bank, which is primarily
engaged in the business of attracting deposits from the general public and originating primarily adjustable-rate loans secured
by first mortgages on owner-occupied and nonowner-occupied one- to four-family residences in Franklin, Boyle, Garrard and other
counties in Kentucky. First Federal of Kentucky also originates, to a lesser extent, home equity loans and loans secured by churches,
multi-family properties, professional office buildings and other types of property. At June 30, 2020, First Federal of Kentucky
had total assets of $241.7 million, net loans of $211.7 million, total mortgage-backed and other securities of $978,000, deposits
of $168.8 million and total capital of $30.8 million.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Federal of Kentucky&rsquo;s main office is located at 216 W. Main Street, Frankfort, Kentucky 40602 and its main telephone number
is (502) 223-1638.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Market
Areas</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Federal of Hazard and First Federal of Kentucky operate in three distinct market areas.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Federal of Hazard&rsquo;s market area consists of Perry County, where the business office is located, as well as the surrounding
counties of Letcher, Knott, Breathitt, Leslie and Clay Counties in eastern Kentucky. The economy in its market area has been distressed
in recent years. The local economy depends on the coal industry and other industries, such as health care and manufacturing. Still,
the economy in First Federal of Hazard&rsquo;s market area continues to lag behind the economies of Kentucky and the United States.
In the most recent available data, using information from the Commonwealth of Kentucky Economic Development and the United States
Bureau of Labor Statistics, per capita personal income in Perry County averaged $38,523 in 2018, compared to personal income of
$42,458 in Kentucky and $54,446 in the United States. Total population in Perry County has declined approximately 1,560 or 5.5%
over the last four years to approximately 26,000. However, as a regional economic center, Hazard tends to draw consumers and workers
who commute from surrounding counties. Employment in the market area, particularly in Perry County, consists primarily of education
and health services (26.0%), the trade, transportation and utilities industry (20.3%), professional and business services (7.8%),
and financial activities (2.8%). During the last five years, the unemployment rate (not seasonally adjusted) has been higher than
most regions, and in July 2020, was 9.8%, compared to 6.2% in Kentucky and 10.5% in the United States.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Federal of Kentucky&rsquo;s primary lending area includes the Kentucky counties of Franklin, Boyle, Garrard and surrounding counties,
with the majority of lending originated on properties located in Franklin and Boyle Counties.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Franklin
County has a population of approximately 51,000, of which approximately 27,000 live within the city of Frankfort, which serves
as the capital of Kentucky. The primary employer in the area is government, which employs about 36.3% of the workforce followed
by the education and health services sector (9.9%), followed by the trade, transportation and utilities sector (9.7%), professional
and business services (9.4%), leisure and hospitality industries (8.6%), and manufacturing (8.4%.). The unemployment rate was
6.3% for July 2020 after having experienced an unemployment rate which had ranged from 4.4% to 9.0% in prior years. The per capita
income in Franklin County for 2018 averaged $41,760.</FONT></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Boyle
County has a population of approximately 30,000. The education and health services sector, which employs about 21.7% of the work
force, is the largest employer, while the trade, transportation and utilities sector and manufacturing sector are the next largest
employers with approximately 18.6% and 13.3% of the workforce, respectively. Centre College is one of the larger employers in
the community. The unemployment rate was 7.5% in July 2020, while the per capita income in Boyle County for 2018 (the most recent
period for which information is available) averaged $37,780.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Lending
Activities</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>General</I>.
</B>Our loan portfolio consists primarily of one- to four-family residential mortgage loans. As opportunities arise, we also offer
loans secured by churches, commercial real estate, and multi-family real estate. We also offer loans secured by deposit accounts
and, through First Federal of Kentucky, home equity loans. Substantially all of our loans are made within the Banks&rsquo; respective
market areas.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Residential
Mortgage Loans</I>.</B> Our primary lending activity is the origination of mortgage loans to enable borrowers to purchase or refinance
existing homes in the Banks&rsquo; respective market areas. At June 30, 2020, residential mortgage loans totaled $238.9 million,
or 83.1%, of our total loan portfolio. We offer a mix of adjustable-rate and fixed-rate mortgage loans with terms up to 30 years.
Adjustable-rate loans have an initial fixed term of one, three, five or seven years. After the initial term, the rate adjustments
on most of First Federal of Kentucky&rsquo;s adjustable-rate loans are indexed to the National Average Contract Interest Rate
for Major Lenders on the Purchase of Previously Occupied Homes. The interest rates on these mortgages are adjusted once a year,
with limitations on adjustments generally of one percentage point per adjustment period, and a lifetime cap of five percentage
points. We determine loan fees charged, interest rates and other provisions of mortgage loans on the basis of our own pricing
criteria and competitive market conditions. Some loans originated by the Banks have an additional advance clause which allows
the borrower to obtain additional funds at prevailing interest rates, subject to managements&rsquo; approval.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
June 30, 2020, the Company&rsquo;s loan portfolio included $208.6 million in adjustable-rate residential mortgage loans, or 72.6%,
of the Company&rsquo;s residential mortgage loan portfolio.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
retention of adjustable-rate loans in the portfolio helps reduce our exposure to increases in prevailing market interest rates.
However, there are unquantifiable credit risks resulting from potential increases in costs to borrowers in the event of upward
repricing of adjustable-rate loans. It is possible that during periods of rising interest rates, the risk of default on adjustable-rate
loans may increase due to increases in interest costs to borrowers. Further, although adjustable-rate loans allow us to increase
the sensitivity of our interest-earning assets to changes in interest rates, the extent of this interest sensitivity is limited
by the initial fixed-rate period before the first adjustment and the periodic and lifetime interest rate adjustment limitations.
Accordingly, there can be no assurance that yields on our adjustable-rate loans will fully adjust to compensate for increases
in our cost of funds. Finally, adjustable-rate loans may decrease at a pace faster than decreases in our cost of funds, resulting
in reduced net income.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">While
one- to four-family residential real estate loans are normally originated with up to 30-year terms, such loans typically remain
outstanding for substantially shorter periods because borrowers often prepay their loans in full upon sale of the mortgaged property
or upon refinancing the original loan. Therefore, average loan maturity is a function of, among other factors, the level of purchase
and sale activity in the real estate market, prevailing interest rates and the interest rates payable on outstanding loans. As
interest rates declined and remained low over the past few years, we have experienced high levels of loan repayments and refinancings.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Banks offer various programs for the purchase and refinance of one- to four-family loans. Most of these loans have loan-to-value
ratios of 80% or less, based on an appraisal provided by a state licensed or certified appraiser. For owner-occupied properties,
the borrower may be able to borrow up to 95% of the value if they secure and pay for private mortgage insurance or they may be
able to obtain a second mortgage (at a higher interest rate) in which they borrow up to 90% of the value. The Boards of Directors
of the Banks may approve a loan above the 80% loan-to-value ratio without such enhancements.</FONT></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Construction
Loans</I>.</B> We originate loans for a term of one year or less to individuals to finance the construction of residential dwellings
for personal use or for use as rental property. On a case-by-case basis we consider construction loans on other than owner-occupied,
residential property. At June 30, 2020, construction loans totaled $4.0 million, or 1.4%, of our total loan portfolio. Our construction
loans generally provide for the payment of interest only during the construction phase, which is usually less than one year. Loans
generally can be made with a maximum loan to value ratio of 80% of the appraised value. Funds are disbursed as progress is made
toward completion of the construction based on site inspections by qualified bank staff.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Construction
financing is generally considered to involve a higher degree of risk of loss than long-term financing on improved, occupied real
estate. Risk of loss on a construction loan depends largely upon the accuracy of the initial estimate of the property&rsquo;s
value at completion of construction or development and the estimated cost (including interest) of construction. During the construction
phase, a number of factors could result in delays and cost overruns. If the estimate of construction costs proves to be inaccurate,
we may be required to advance funds beyond the amount originally committed to permit completion of the development. If the estimate
of value proves to be inaccurate, we may be confronted, at or before the maturity of the loan, with a project having a value which
is insufficient to assure full repayment. As a result of the foregoing, construction lending often involves the disbursement of
substantial funds with repayment dependent, in part, on the success of the ultimate project rather than the ability of the borrower
or guarantor to repay principal and interest. If we are forced to foreclose on a project before or at completion due to a default,
there can be no assurance that we will be able to recover the unpaid balance and accrued interest on the loan, as well as related
foreclosure and holding costs.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Multi-Family
Loans</I>.</B> We offer mortgage loans secured by multi-family property (residential real estate comprised of five or more units.)
At June 30, 2020, multi-family loans totaled $12.4 million, or 4.3%, of our total loan portfolio. We originate multi-family real
estate loans for terms of generally 25 years or less. Loan amounts generally do not exceed 80% of the appraised value and tend
to range much lower.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Nonresidential
Loans</I>.</B> As opportunities arise, we offer mortgage loans secured by nonresidential real estate, which is generally secured
by commercial office buildings, churches, and properties used for other purposes. At June 30, 2020, nonresidential totaled $36.6
million, or 12.8% of our total loan portfolio. We originate nonresidential real estate loans for terms of generally 25 years or
less and loan amounts generally do not exceed 80% of the appraised value and tend to range much lower.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
secured by multi-family and nonresidential real estate generally have larger balances and involve a greater degree of risk than
one- to four-family residential mortgage loans. Of primary concern in multi-family and nonresidential real estate lending is the
borrower&rsquo;s creditworthiness and the feasibility and cash flow potential of the project. Payments on loans secured by income
properties often depend on successful operation and management of the properties. As a result, repayment of such loans may be
subject to a greater extent than residential real estate loans to adverse conditions in the real estate market or the economy.
To monitor cash flows on income properties, we require borrowers and/or loan guarantors to provide annual financial statements
on larger multi-family and commercial real estate loans. In reaching a decision on whether to make a multi-family or nonresidential
real estate loan, we consider the net cash flow of the project, the borrower&rsquo;s expertise, credit history and the value of
the underlying property.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Commercial
Non-mortgage Loans</I>. </B>At June 30, 2020, commercial non-mortgage loans totaled $2.2 million, or 0.8%, of our total loan portfolio.
We do not emphasize commercial non-mortgage loans, which may be secured by vehicles used in business or by inventory and equipment
of the business or may be unsecured, although we do originate such loans on a limited basis and generally require a pre-existing
relationship with the Bank. These loans are made only to businesses in our local market and we generally require personal guarantees
of well-established individuals for these loans. Commercial loans involve an even greater degree of risk than real estate loans.</FONT></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Consumer
Lending.</I></B> Our consumer loans include home equity lines of credit, loans secured by savings deposits, automobile loans and
unsecured or personal loans. At June 30, 2020, our consumer loan balance totaled $9.6 million, or 3.3%, of our total loan portfolio.
Of the consumer loan balance at June 30, 2020, $7.6 million were home equity loans, $1.2 million were loans secured by savings
deposits and $710,000 were automobile or unsecured loans. Our home equity loans are made on the security of residential real estate
and have terms of up to 15 years. Most of our home equity loans are second mortgages subordinate only to first mortgages also
held by the bank and do not exceed 80% of the estimated value of the property, less the outstanding principal of the first mortgage,
although we do offer home equity loans up to 90% of the value less the balance of the first mortgage at a premium rate to qualified
borrowers. These loans are not secured by private mortgage insurance. Our home equity loans require the monthly payment of 1.0%
to 2% of the unpaid principal until maturity, when the remaining unpaid principal, if any, is due. Home equity loans bear variable
rates of interest indexed to the prime rate for loans with 80% or less loan-to-value ratio, and 2% above the prime rate for loans
with a loan-to-value ratio in excess of 80%. Interest rates on these loans can be adjusted monthly. At June 30, 2020, the total
outstanding home equity loans amounted to 2.7% of the Company&rsquo;s total loan portfolio.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
secured by savings are originated for up to 90% of the depositor&rsquo;s savings account balance. The interest rate is varying
percentage points above the rate paid on the savings account, and the account must be pledged as collateral to secure the loan.
At June 30, 2020, loans on savings accounts totaled 0.4% of the Company&rsquo;s total loan portfolio.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer
loans generally entail greater risk than do residential mortgage loans, particularly in the case of consumer loans which are unsecured
or secured by rapidly depreciable assets. Automobile and unsecured loans at June 30, 2019, totaled 0.3% of the Company&rsquo;s
total loan portfolio.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Loan
Originations, Purchases and Sales</I>.</B> Loan originations come from a number of sources. The primary source of loan originations
are our in-house loan originators, and to a lesser extent, advertising and referrals from customers and real estate agents. First
Federal of Kentucky sells fixed-rate loans with longer maturities to the Federal Home Loan Bank of Cincinnati (&ldquo;FHLB-Cincinnati&rdquo;).
We earn income on the loans sold through fees we charge on the origination, interest spread premiums earned when we sell the loans,
and loan servicing fees on an on-going basis, because servicing rights are retained on such loans. At June 30, 2020, $12.1 million
in loans were being serviced by First Federal of Kentucky for the FHLB-Cincinnati.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Loan
Approval Procedures and Authority</I>.</B> Our lending activities follow written, nondiscriminatory, underwriting standards and
loan origination procedures established by each Bank&rsquo;s Board of Directors and management. Each Bank&rsquo;s loan committee
can approve or deny loans on one- to four-family properties totaling $500,000 or less. First Federal of Hazard&rsquo;s loan committee
consists of its two senior officers, while First Federal of Kentucky&rsquo;s loan approval process allows for various combinations
of experienced bank officers to approve or deny loans which are one- to four-family properties. Loans that do not conform to this
criteria must be submitted to the Board of Directors or Loan Committee composed of at least three directors, for approval.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">It
is the Company&rsquo;s practice to record a lien on the real estate securing a loan. The Banks generally do not require title
insurance, although it may be required for loans made in certain programs. The Banks do require fire and casualty insurance on
all security properties and flood insurance when the collateral property is located in a designated flood hazard area.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Loans
to One Borrower</I>.</B> The maximum amount either Bank may lend to one borrower and the borrower&rsquo;s related entities is
limited, by regulation, to generally 15% of that Bank&rsquo;s stated capital and the allowance for loan losses. At June 30, 2020,
the regulatory limit on loans to one borrower was $4.6 million for First Federal of Hazard and $2.8 million for First Federal
of Kentucky. Neither of the banks had lending relationships in excess of their respective lending limits. However, loans or participations
in loans may be sold among the Banks, which may allow a borrower&rsquo;s total loans with the Company to exceed the limit of either
individual bank.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Loan
Commitments</I>.</B> The Banks issue commitments for the funding of mortgage loans. Generally, these commitments exist from the
time the underwriting of the loan is completed and the closing of the loan. Generally, these commitments are for a maximum of
30 or 60 days but management routinely extends the commitment if circumstances delay the closing. Management reserves the right
to verify or re-evaluate the borrower&rsquo;s qualifications and to change the rates and terms of the loan at that time.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
conditions exist whereby either Bank experiences a significant increase in loans outstanding or commits to originate loans that
are riskier than a typical one- to four-family mortgage, management and the boards will consider reflecting the anticipated loss
exposure in a separate liability. As residential loans are approved in the normal course of business, and those loans are underwritten
to the standards of the Banks, management does not believe alteration of the allowance for loan losses is warranted. At June 30,
2020, no commitment losses were reflected in a separate liability.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Both
Banks offer construction loans that either have a separate construction period of one year or less, approved with a simultaneous
commitment for permanent financing, or a loan that has a construction phase of one year or less that is convertible to permanent
financing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Interest
Rates and Loan Fees. </I></B>Interest rates charged on mortgage loans are primarily determined by competitive loan rates offered
in our market areas and our yield objectives. Mortgage loan rates reflect factors such as prevailing market interest rate levels,
the supply of money available to the savings industry and the demand for such loans. These factors are in turn affected by general
economic conditions, the monetary policies of the federal government, including the Board of Governors of the Federal Reserve
System, the general supply of money in the economy, tax policies and governmental budget matters.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
receive fees in connection with late payments on our loans. Depending on the type of loan and the competitive environment for
mortgage loans, we may charge an origination fee on all or some of the loans we originate. We may also offer a menu of loans whereby
the borrower may pay a higher fee to receive a lower rate or to pay a smaller or no fee for a higher rate.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Delinquencies</I>.
</B>When a borrower fails to make a required loan payment, we take a number of steps to have the borrower cure the delinquency
and restore the loan to current status. We make initial contact with the borrower when the loan becomes 15 days past due. Subsequently,
bank staff, under the direct supervision of senior management and with consultation by the Banks&rsquo; attorneys, attempt to
contact the borrower and determine their status and plans for resolving the delinquency. However, once a delinquency reaches 90
days, management considers foreclosure and, if the borrower has not provided a reasonable plan (such as selling the collateral,
securing a commitment from another lender to refinance the loan or submitting a plan to repay the delinquent principal, interest,
escrow, and late charges) the foreclosure suit may be initiated. In some cases, management may delay initiating the foreclosure
suit if, in management&rsquo;s opinion, the Banks&rsquo; chance of loss is minimal (such as with loans where the estimated value
of the property greatly exceeds the amount of the loan) or if the original borrower is deceased or incapacitated. If a foreclosure
action is initiated and the loan is not brought current, paid in full, or refinanced with another lender before the foreclosure
sale, the real property securing the loan is sold at foreclosure. The Banks are represented at the foreclosure sale and in most
cases will bid an amount equal to the Banks&rsquo; investment (including interest, advances for taxes and insurance, foreclosure
costs, and attorney&rsquo;s fees). If another bidder outbids the Bank, the Bank&rsquo;s investment is received in full. If another
bidder does not outbid the Banks, the Banks acquire the property and attempt to sell it to recover their investment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A
borrower&rsquo;s filing for bankruptcy can alter the methods available to the Banks to seek collection. In such cases, the Banks
work closely with legal counsel to resolve the delinquency as quickly as possible.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
may consider loan workout arrangements with certain borrowers under certain conditions. Management of each bank provides a report
to its board of directors on a monthly basis of all loans more than 60 days delinquent, including loans in foreclosure, and all
property acquired through foreclosure.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Investment
Activities</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
have legal authority to invest in various types of liquid assets, including U.S. Treasury obligations, securities of various federal
agencies and state and municipal governments, mortgage-backed securities and certificates of deposit of federally insured institutions.
We also are required to maintain an investment in FHLB-Cincinnati stock, the level of which is largely dependent on our level
of borrowings from the FHLB.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
June 30, 2020, our investment portfolio consisted of a single agency bond and mortgage-backed securities issued and guaranteed
by Fannie Mae, Freddie Mac and Ginnie Mae with stated final maturities of 30 years or less. The Company held no equity position
with Fannie Mae or Freddie Mac.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
investment objectives are to provide an alternate source of low-risk investments when loan demand is insufficient, to provide
and maintain liquidity, to maintain a balance of high quality, diversified investments to minimize risk, to provide collateral
for pledging requirements, to establish an acceptable level of interest rate risk, and to generate a favorable return. The Banks&rsquo;
Board of Directors has the overall responsibility for each institution&rsquo;s investment portfolio, including approval of investment
policies<B>.</B> The management of each Bank may authorize investments as prescribed in each of the Bank&rsquo;s investment policies.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Bank
Owned Life Insurance</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Federal of Kentucky owns several Bank Owned Life Insurance policies totaling $2.6 million at June 30, 2020. The purpose of these
policies is to offset future escalation of the costs of non-salary employee benefit plans such as First Federal of Kentucky&rsquo;s
defined benefit retirement plan and First Federal of Kentucky&rsquo;s health insurance plan. The lives of certain key Bank employees
are insured, and First Federal of Kentucky is the sole beneficiary and will receive any benefits upon the employee&rsquo;s death.
The policies were purchased from four highly-rated life insurance companies. The design of the plan allows for the cash value
of the policy to be designated as an asset of First Federal of Kentucky. The asset&rsquo;s value will increase by the crediting
rate, which is a rate set by each insurance company and is subject to change on an annual basis. The growth of the value of the
asset will be recorded as other operating income. Management does not foresee any expense associated with the plan. Because this
is a life insurance product, current federal tax laws exempt the income from federal income taxes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank
owned life insurance is not secured by any government agency nor are the policies&rsquo; asset values or death benefits secured
specifically by tangible property. Great care was taken in selecting the insurance companies, and the bond ratings and financial
condition of these companies are monitored on a quarterly basis. The failure of one of these companies could result in a significant
loss to First Federal of Kentucky. Other risks include the possibility that the favorable tax treatment of the income could change,
that the crediting rate will not be increased in a manner comparable to market interest rates, or that this type of plan will
no longer be permitted by First Federal of Kentucky&rsquo;s regulators. This asset is considered illiquid because, although First
Federal of Kentucky may terminate the policies and receive the original premium plus all earnings, such an action would require
the payment of federal income taxes on all earnings since the policies&rsquo; inception.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Deposit
Activities and Other Sources of Funds</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>General</I>.
</B>Deposits, loan repayments and maturities, redemptions, sales and repayments of investment and mortgage-backed securities are
the major sources of our funds for lending and other investment purposes. Loan repayments are a relatively stable source of funds,
while deposit inflows and outflows and loan prepayments are significantly influenced by general interest rates and money market
conditions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Deposit
Accounts</I>.</B> The vast majority of our depositors are residents of the Banks&rsquo; respective market areas. Deposits are
attracted from within our market areas through the offering of passbook savings and certificate accounts, and, at First Federal
of Kentucky, checking accounts and individual retirement accounts (&ldquo;IRAs&rdquo;). We do not utilize brokered funds. Deposit
account terms vary according to the minimum balance required, the time periods the funds must remain on deposit and the interest
rate, among other factors. In determining the terms of our deposit accounts, we consider the rates offered by our competition,
profitability to us, asset liability management and customer preferences and concerns. We review our deposit mix and pricing on
an ongoing basis as needed<B>.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Borrowings</I>.
</B>First Federal of Hazard and First Federal of Kentucky borrow from the FHLB-Cincinnati to supplement their supplies of investable
funds and to meet deposit withdrawal requirements. The Federal Home Loan Bank functions as a central reserve bank providing credit
for member financial institutions. As members, each Bank is required to own capital stock in the FHLB-Cincinnati and is authorized
to apply for advances on the security of such stock and certain of our mortgage loans and other assets (principally securities
which are obligations of, or guaranteed by, the United States), provided certain standards related to creditworthiness have been
met. Advances are made under several different programs, each having its own interest rate and range of maturities. Depending
on the program, limitations on the amount of advances are based either on a fixed percentage of an institution&rsquo;s net worth
or on the Federal Home Loan Bank&rsquo;s assessment of the institution&rsquo;s creditworthiness.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Subsidiary
Activities</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company has no other wholly owned subsidiaries other than First Federal of Hazard and Frankfort First Bancorp. Frankfort First
Bancorp has one subsidiary, First Federal of Kentucky.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
federally chartered savings institutions, the Banks are permitted to invest an amount equal to 2% of assets in subsidiaries, with
an additional investment of 1% of assets where such investment serves primarily community, inner-city and community-development
purposes. Under such limitations, as of June 30, 2020, First Federal of Hazard and First Federal of Kentucky were authorized to
invest up to $2.5 million and $7.3 million, respectively, in the stock of or loans to subsidiaries, including the additional 1%
investment for community, inner-city and community development purposes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Competition</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
face significant competition for the attraction of deposits and origination of loans. Our most direct competition for deposits
has historically come from the banks and credit unions operating in our market areas and, to a lesser extent, from other financial
services companies, such as investment brokerage firms. We also face competition for depositors&rsquo; funds from money market
funds and other corporate and government securities. Several of our competitors are significantly larger than us and, therefore,
have significantly greater resources. We expect competition to increase in the future as a result of legislative, regulatory and
technological changes and the continuing trend of consolidation in the financial services industry. Technological advances, for
example, have lowered the barriers to enter new market areas, allowed banks to expand their geographic reach by providing services
over the Internet and made it possible for non-depository institutions to offer products and services that traditionally have
been provided by banks. Changes in federal law permit affiliation among banks, securities firms and insurance companies, which
promotes a competitive environment in the financial services industry. Competition for deposits and the origination of loans could
limit our growth in the future.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">According
to the Federal Deposit Insurance Corporation (&ldquo;FDIC&rdquo;), at June 30, 2020, the latest date for which data is available,
First Federal of Hazard had a deposit market share of 8.3% in Perry County. Its largest competitors, Hazard Bancorp (Peoples Bank
&amp; Trust Company of Hazard,) 1<SUP>st</SUP> Trust Bank, Inc., and Community Trust Bancorp, Inc. (Community Trust Bank, Inc.)
had Perry County deposit market shares of 37.2%, 28.4% and 24.8%, respectively. First Federal of Hazard&rsquo;s competition for
loans comes primarily from financial institutions in its market area and, to a lesser extent, from other financial services providers,
such as mortgage companies and mortgage brokers. Competition for loans also comes from the increasing number of non-depository
financial services companies entering the mortgage market, such as insurance companies, securities companies and specialty finance
companies.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Federal of Kentucky&rsquo;s principal competitors for deposits in its market area are other banking institutions, such as
commercial banks and credit unions, as well as mutual funds and other investments. First Federal of Kentucky principally
competes for deposits by offering a variety of deposit accounts, convenient business hours and branch locations, customer
service and a well-trained staff. According to the FDIC, at June 30, 2020, First Federal of Kentucky had deposit market share
of 8.5%, 7.4% and 18.1% for the Kentucky counties of Franklin, Boyle and Garrard. Its largest competitors for depositors are
the Boyle Bancorp, Inc. (The Farmers National Bank of Danville) at 23.9%, Wesbanco Bank, Inc. (Wesbanco) at 20.0% and
Community Trust Bancorp, Inc., (Community Trust Bank) at 7.5% market share in the three-county area. Wesbanco Bank, Inc.,
Boyle Bancorp, Inc., and Community Trust Bancorp, Inc. had assets at June 30, 2020, of $16.8 billion, $746.3 million and
$50.0 billion, respectively. The Bank also faces considerable competition from credit unions including the Commonwealth
Credit Union ($1.4 billion in assets) and the Kentucky Employees Credit Union ($81.2 million in assets). First Federal of
Kentucky competes for loans with other depository institutions, as well as specialty mortgage lenders and brokers and
consumer finance companies. First Federal of Kentucky principally competes for loans on the basis of interest rates and the
loan fees it charges, the types of loans it originates and the convenience and service it provides to borrowers. In addition,
First Federal of Kentucky believes it has developed strong relationships with the businesses, real estate agents, builders
and general public in its market area.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Personnel</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
June 30, 2020, we had 61 full-time employees and two part-time employees, none of whom was represented by a collective bargaining
unit. We believe our relationship with our employees is good.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Regulation
and Supervision </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>General.
</I></B>First Federal of Hazard and First Federal of Kentucky are subject to extensive regulation, examination and supervision
by the Office of the Comptroller of the Currency, as their primary federal regulator, and the Federal Deposit Insurance Corporation,
as insurer of deposits. First Federal of Hazard and First Federal of Kentucky are each members of the Federal Home Loan Bank System
and their deposit accounts are insured up to applicable limits by the Deposit Insurance Fund managed by the Federal Deposit Insurance
Corporation. First Federal of Hazard and First Federal of Kentucky must each file reports with the Office of the Comptroller of
the Currency and the Federal Deposit Insurance Corporation concerning their activities and financial condition in addition to
obtaining regulatory approvals before entering into certain transactions such as mergers with, or acquisitions of, other financial
institutions. There are periodic examinations by the Office of the Comptroller of the Currency and, under certain circumstances,
the Federal Deposit Insurance Corporation to evaluate First Federal of Hazard&rsquo;s and First Federal of Kentucky&rsquo;s safety
and soundness and compliance with various regulatory requirements. This regulatory structure is intended primarily for the protection
of the insurance fund and depositors. The Federal Reserve Board, the agency that regulates and supervises bank holding companies,
now supervises and regulates Kentucky First Federal MHC. Kentucky First and First Federal MHC, as savings and loan holding companies,
are required to file certain reports with, and are subject to examination by, and otherwise are required to comply with the rules
and regulations of the Federal Reserve Board.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Dodd-Frank Act made extensive changes in the regulation of federal savings banks such as First Federal of Hazard and First Federal
of Kentucky. Under the Dodd-Frank Act, the Office of Thrift Supervision was eliminated and responsibility for the supervision
and regulation of federal savings banks was transferred to the Office of the Comptroller of the Currency, the agency that is primarily
responsible for the regulation and supervision of national banks, on July 21, 2011. The Office of the Comptroller of the Currency
assumed responsibility for implementing and enforcing many of the laws and regulations applicable to federal savings banks. Additionally,
the Dodd-Frank Act created a new Consumer Financial Protection Bureau as an independent bureau of the Federal Reserve Board. The
Consumer Financial Protection Bureau assumed responsibility for the implementation of the federal financial consumer protection
and fair lending laws and regulations and has authority to impose new requirements. However, institutions of less than $10 billion
in assets, such as First Federal of Hazard and First Federal of Kentucky, will continue to be examined for compliance with consumer
protection and fair lending laws and regulations by, and be subject to the enforcement authority of, their prudential regulator.
Many of the provisions of the Dodd-Frank Act require the issuance of regulations before their impact on operations can be fully
assessed by management. However, there is a significant possibility that the Dodd-Frank Act will, at a minimum, result in increased
regulatory burden and compliance for First Federal MHC, Kentucky First and each of the Banks.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
May 2018, the Economic Growth, Regulatory Relief and Consumer Protection Act, was enacted to modify or remove certain financial
reform rules and regulations, including some of those implemented under the Dodd-Frank Act. While the Economic Growth, Regulatory
Relief and Consumer Protection Act maintains most of the regulatory structure established by the Dodd-Frank Act, it amends certain
aspects of the regulatory framework for small depository institutions with assets of less than $10 billion and for large banks
with assets of more than $50 billion. Many of these changes could result in meaningful regulatory changes for community banks
such as the Bank, and their holding companies.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;The
Economic Growth, Regulatory Relief and Consumer Protection Act, among other matters, expands the definition of qualified mortgages
which may be held by a financial institution and simplifies the regulatory capital rules for financial institutions and their
holding companies with total consolidated assets of less than $10 billion by instructing the federal banking regulators to establish
a single &ldquo;Community Bank Leverage Ratio&rdquo; of between 8 and 10 percent. Any qualifying depository institution or its
holding company that exceeds the &ldquo;community bank leverage ratio&rdquo; will be considered to have met generally applicable
leverage and risk-based regulatory capital requirements and any qualifying depository institution that exceeds the new ratio will
be considered to be &ldquo;well capitalized&rdquo; under the prompt corrective action rules. The Economic Growth, Regulatory Relief
and Consumer Protection Act also expands the category of holding companies that may rely on the &ldquo;Small Bank Holding Company
and Savings and Loan Holding Company Policy Statement&rdquo; by raising the maximum amount of assets a qualifying holding company
may have from $1 billion to $3 billion. A major effect of this change is to exclude such holding companies from the minimum capital
requirements of the Dodd-Frank Act. In addition, the Economic Growth, Regulatory Relief and Consumer Protection Act includes regulatory
relief for community banks regarding regulatory examination cycles, call reports, the Volcker Rule (proprietary trading prohibitions),
mortgage disclosures and risk weights for certain high-risk commercial real estate loans.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">It
is difficult at this time to predict when or how any new standards under the Economic Growth, Regulatory Relief and Consumer Protection
Act will ultimately be applied to us or what specific impact and the yet-to-be-written implementing rules and regulations will
have on community banks.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain
of the regulatory requirements that are applicable to First Federal of Hazard, First Federal of Kentucky, Kentucky First and First
Federal MHC are described below. This discussion does not purport to be a complete description of the laws and regulations involved,
and is qualified in its entirety by the actual laws and regulations. Moreover, laws and regulations are subject to changes by
the U.S. Congress or the regulatory agencies as applicable.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Regulation
of Federal Savings Institutions </B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Business
Activities.</I></B> Federal law and regulations, primarily the Home Owners&rsquo; Loan Act and the regulations of the Office of
the Comptroller of the Currency, govern the activities of federal savings institutions, such as First Federal of Hazard and First
Federal of Kentucky. These laws and regulations delineate the nature and extent of the activities in which federal savings banks
may engage. In particular, certain lending authority for federal savings institutions, <I>e.g.</I>, commercial, nonresidential
real property loans and consumer loans, is limited to a specified percentage of the institution&rsquo;s capital or assets.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Branching.
</I></B>Federal savings institutions are authorized to establish branch offices in any state or states of the United States and
its territories, subject to the approval of the Office of the Comptroller of the Currency.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Capital
Requirements</I>.</B> In July 2013, the Federal Reserve Board and the OCC approved a new rule that implemented the Basel III regulatory
capital reforms. The capital regulations now require federal savings banks to meet four minimum capital standards: a 4.0% Tier
1 leverage ratio; a 4.5% common equity Tier 1 ratio; a 6.0% Tier 1 capital ratio; and an 8% Total capital ratio. In addition,
the prompt corrective action standards discussed below also establish, in effect, a minimum 2% tangible capital standard. The
rules eliminated the inclusion of certain instruments, such as trust preferred securities, from Tier 1 capital. Instruments issued
before May 19, 2010 are grandfathered for companies with consolidated assets of $15 billion or less. The rules also established
a &ldquo;capital conservation buffer&rdquo; of 2.5% above the new regulatory minimum capital requirements, which must consist
entirely of common equity Tier 1 capital and would result in the following minimum ratios: (1) a common equity Tier 1 capital
ratio of 7.0%, (2) a Tier 1 capital ratio of 8.5%, and (3) a total capital ratio of 10.5%. The new capital conservation buffer
requirement was phased in beginning in January 2016 at 0.625% of risk-weighted assets and increased by that amount each year until
fully implemented in January 2019. An institution will be subject to limitations on paying dividends, engaging in share repurchases
and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations will establish a maximum
percentage of eligible retained income that could be utilized for such actions.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
risk-based capital standard requires federal savings banks to maintain Tier 1 and total capital (which is defined as core capital
and supplementary capital, less certain specified deductions from total capital such as reciprocal holdings of depository institution
capital, instruments and equity investments) to risk-weighted assets of at least 6% and 8%, respectively. In determining the amount
of risk-weighted assets, all assets, including certain off-balance sheet assets, recourse obligations, residual interests and
direct credit substitutes, are multiplied by a risk-weight factor of 0% to 150%, as assigned by the capital regulation based on
the risks believed inherent in the type of asset. Tier 1 capital is generally defined as common stockholders&rsquo; equity (including
retained earnings), certain non-cumulative perpetual preferred stock and related surplus and minority interests in equity accounts
of consolidated subsidiaries, less intangibles other than certain mortgage servicing rights and credit card relationships. The
components of Tier 2 capital currently include cumulative preferred stock, long-term perpetual preferred stock, mandatory convertible
securities, subordinated debt and intermediate preferred stock, the allowance for loan and lease losses limited to a maximum of
1.25% of risk-weighted assets and up to 45% of unrealized gains on available-for-sale equity securities with readily determinable
fair market values. Overall, the amount of Tier 2 capital included as part of total capital cannot exceed 100% of core capital.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Savings
and loan holding companies with less than $1 billion in assets are not subject to specific regulatory capital requirements.
The Dodd-Frank Act, however, requires the Federal Reserve Board to promulgate consolidated capital requirements for
depository institution holding companies, including savings and loan holding companies that are no less stringent, both
quantitatively and in terms of components of capital, than those applicable to institutions themselves. Certain community
banks and holding companies (which include the Company, Frankfort First, First Federal of Kentucky and First Federal of
Hazard) that satisfy certain qualifying criteria, including having less than $10 billion in average total consolidated assets
and a leverage ratio (referred to as the &ldquo;community bank leverage ratio&rdquo;) of greater than 9%, were eligible to
opt-in to the CBLR framework. The CBLR ratio is the ratio of a banking organization&rsquo;s Tier 1 capital to its average
total consolidated assets as reported on the banking organization&rsquo;s applicable regulatory filings. The Banks elected to
utilize the CBLR framework effective for the quarter ended March 31, 2020. As of June 30, 2020, the capital levels of First
Federal of Hazard and First Federal of Kentucky exceed the minimum required capital amounts for capital adequacy. See Note
K-Stockholders&rsquo; Equity and Regulatory Capital in notes to financial statements.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Prompt
Corrective Regulatory Action</I>.</B> Prompt corrective action regulations provide five classifications: well capitalized, adequately
capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized, although these terms are not used
to represent overall financial condition. If adequately capitalized, regulatory approval is required to accept broker deposits.
The OCC is required to take certain supervisory actions against undercapitalized institutions, the severity of which depends upon
the institution&rsquo;s degree of undercapitalization. In addition, numerous mandatory supervisory actions become immediately
applicable to an undercapitalized institution, including, but not limited to, increased monitoring by regulators and restrictions
on growth, capital distributions and expansion. The OCC could also take any one of a number of discretionary supervisory actions,
including the issuance of a capital directive and the replacement of senior executive officers and directors. Significantly and
undercapitalized institutions are subject to additional mandatory and discretionary measures.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Loans
to One Borrower.</I></B> Federal law provides that savings institutions are generally subject to the limits on loans to one borrower
applicable to national banks. Generally, subject to certain exceptions, a savings institution may not make a loan or extend credit
to a single or related group of borrowers in excess of 15% of its unimpaired capital and surplus. An additional amount may be
lent, equal to 10% of unimpaired capital and surplus, if secured by specified readily-marketable collateral.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Standards
for Safety and Soundness.</I></B> As required by statute, the federal banking agencies have adopted Interagency Guidelines prescribing
Standards for Safety and Soundness. The guidelines set forth the safety and soundness standards that the federal banking agencies
use to identify and address problems at insured depository institutions before capital becomes impaired. If the Office of the
Comptroller of the Currency determines that a savings institution fails to meet any standard prescribed by the guidelines, the
Office of the Comptroller of the Currency may require the institution to submit an acceptable plan to achieve compliance with
the standard.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Limitation
on Capital Distributions.</I></B> Office of the Comptroller of the Currency regulations impose limitations upon all capital distributions
by a savings institution, including cash dividends, payments to repurchase its shares and payments to shareholders of another
institution in a cash-out merger. Under the regulations, an application to and the prior approval of the Office of the Comptroller
of the Currency is required before any capital distribution if the institution does not meet the criteria for &ldquo;expedited
treatment&rdquo; of applications under Office of the Comptroller of the Currency regulations (<I>i.e.</I>, generally, examination
and Community Reinvestment Act ratings in the two top categories), the total capital distributions for the calendar year exceed
net income for that year plus the amount of retained net income for the preceding two years, the institution would be undercapitalized
following the distribution or the distribution would otherwise be contrary to a statute, regulation or agreement with the Office
of the Comptroller of the Currency. If an application is not required, the institution must still provide prior notice to the
Federal Reserve Board of the capital distribution if, like First Federal of Hazard and First Federal of Kentucky, it is a subsidiary
of a holding company as well as an informational notice to the Office of the Comptroller of the Currency. If First Federal of
Hazard&rsquo;s or First Federal of Kentucky&rsquo;s capital were ever to fall below its regulatory requirements or the Office
of the Comptroller of the Currency notified it that it was in need of increased supervision, its ability to make capital distributions
could be restricted. In addition, the Office of the Comptroller of the Currency could prohibit a proposed capital distribution
that would otherwise be permitted by the regulation, if the agency determines that such distribution would constitute an unsafe
or unsound practice.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Qualified
Thrift Lender Test.</I></B> Federal law requires savings institutions to meet a qualified thrift lender test. Under the test,
a savings institution is required to either qualify as a &ldquo;domestic building and loan association&rdquo; under the Internal
Revenue Code or maintain at least 65% of its &ldquo;portfolio assets&rdquo; (total assets less: (i) specified liquid assets up
to 20% of total assets; (ii) intangibles, including goodwill; and (iii) the value of property used to conduct business) in certain
&ldquo;qualified thrift investments&rdquo; (primarily residential mortgages and related investments, including certain mortgage-backed
securities, education loans, credit card loans and small business loans) in at least 9 months out of each 12-month period.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A
savings institution that fails the qualified thrift lender test is subject to certain operating restrictions. The Dodd-Frank Act
also specifies that failing the qualified thrift lender test is a violation of law that could result in an enforcement action
and dividend limitations. At June 30, 2020, First Federal of Hazard and First Federal of Kentucky each met the qualified thrift
lender test.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Transactions
with Related Parties.</I></B> Federal law limits the authority of First Federal of Hazard and First Federal of Kentucky to lend
to, and engage in certain other transactions with (collectively, &ldquo;covered transactions&rdquo;), &ldquo;affiliates&rdquo;
(<I>e.g.</I>, any company that controls or is under common control with an institution, including Kentucky First, First Federal
MHC and their non-savings institution subsidiaries). The aggregate amount of covered transactions with any individual affiliate
is limited to 10% of the capital and surplus of the savings institution. The aggregate amount of covered transactions with all
affiliates is limited to 20% of the savings institution&rsquo;s capital and surplus. Loans and other specified transactions with
affiliates are required to be secured by collateral in an amount and of a type described in federal law. The purchase of low-quality
assets from affiliates is generally prohibited. Transactions with affiliates must be on terms and under circumstances that are
at least as favorable to the institution as those prevailing at the time for comparable transactions with non-affiliated companies.
In addition, savings institutions are prohibited from lending to any affiliate that is engaged in activities that are not permissible
for bank holding companies and no savings institution may purchase the securities of any affiliate other than a subsidiary. Transactions
between sister depository institutions that are 80% or more owned by the same holding company are exempt from the quantitative
limits and collateral requirements.</FONT></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Sarbanes-Oxley Act of 2002 generally prohibits a company from making loans to its executive officers and directors. However, that
law contains a specific exception for loans by a depository institution to its executive officers and directors in compliance
with federal banking laws. Under such laws, First Federal of Hazard&rsquo;s and First Federal of Kentucky&rsquo;s authority to
extend credit to executive officers, directors and 10% shareholders (&ldquo;insiders&rdquo;), as well as entities such persons
control, is limited. The law restricts both the individual and aggregate amount of loans First Federal of Hazard and First Federal
of Kentucky may make to insiders based, in part, on First Federal of Hazard&rsquo;s and First Federal of Kentucky&rsquo;s respective
capital positions and requires certain board approval procedures to be followed. Such loans must be made on terms, including rates
and collateral, substantially the same as those offered to unaffiliated individuals prevailing at the time for comparable loans
with persons not related to the lender and not involve more than the normal risk of repayment. There are additional restrictions
applicable to loans to executive officers.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Enforcement.
</I></B>The Office of The Comptroller of the Currency has primary enforcement responsibility over federal savings institutions
and has the authority to bring actions against the institution and all institution-affiliated parties, including stockholders,
and any attorneys, appraisers and accountants who knowingly or recklessly participate in wrongful action likely to have an adverse
effect on an insured institution. Formal enforcement action may range from the issuance of a capital directive or cease and desist
order to removal of officers and/or directors to appointment of a receiver or conservator or termination of deposit insurance.
Civil penalties cover a wide range of violations and can amount to $25,000 per day, or even $1 million per day in especially egregious
cases. The Federal Deposit Insurance Corporation has authority to recommend to the Director of the Office of the Comptroller of
the Currency that enforcement action to be taken with respect to a particular savings institution. If action is not taken by the
Director, the Federal Deposit Insurance Corporation has authority to take such action under certain circumstances. Federal law
also establishes criminal penalties for certain violations.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Assessments.
</I></B>Federal savings banks pay assessments to the Office of the Comptroller of the Currency to fund its operations. The general
assessments, paid on a semi-annual basis, are based upon the savings institution&rsquo;s total assets, including consolidated
subsidiaries, its financial condition and the complexity of its portfolio.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Insurance
of Deposit Accounts.</I></B> The deposits of both First Federal of Hazard and First Federal of Kentucky are insured up to applicable
limits by the Deposit Insurance Fund administered by the Federal Deposit Insurance Corporation. Deposit insurance per account
owner is currently $250,000. Under the Federal Deposit Insurance Corporation&rsquo;s risk-based assessment system, insured institutions
are assigned a risk category based on supervisory evaluations, regulatory capital levels and certain other factors. An institution&rsquo;s
assessment rate depends upon the category to which it is assigned, and certain adjustments specified by Federal Deposit Insurance
Corporation regulations. Institutions deemed less risky pay lower assessments. The Federal Deposit Insurance Corporation may adjust
the scale uniformly, except that no adjustment can deviate more than two basis points from the base scale without notice and comment.
No institution may pay a dividend if in default of the federal deposit insurance assessment. The Federal Deposit Insurance Corporation
has set the assessment range at 1.5 to 30 basis points of total assets less tangible equity.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Federal Deposit Insurance Corporation has authority to increase insurance assessments. A significant increase in insurance premiums
would likely have an adverse effect on the operating expenses and results of operations of the Banks. Management cannot predict
what insurance assessment rates will be in the future.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;<B><I>Federal
Home Loan Bank System.</I></B> First Federal of Hazard and First Federal of Kentucky are members of the Federal Home Loan Bank
System, which consists of 12 regional Federal Home Loan Banks. The Federal Home Loan Bank provides a central credit facility primarily
for member institutions. As members of the Federal Home Loan Bank of Cincinnati, First Federal of Hazard and First Federal of
Kentucky are each required to acquire and hold shares of capital stock in that Federal Home Loan Bank. First Federal of Hazard
and First Federal of Kentucky were in compliance with this requirement with investments in Federal Home Loan Bank of Cincinnati
stock at June 30, 2020, of $2.0 million and $4.5 million, respectively.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;<B><I>Federal
Reserve System.</I></B> Pursuant to regulations of the Federal Reserve Board, a financial institution must maintain average daily
reserves equal to 3% on transaction accounts of between $15.5 million and $115.2 million, plus 10% on the remainder. The first
$15.5 million of transaction accounts are exempt. These percentages are subject to adjustment by the Federal Reserve Board. Because
required reserves must be maintained in the form of vault cash or in a noninterest-bearing account at the Federal Reserve Bank,
the effect of the reserve requirement is to reduce the amount of the institution&rsquo;s interest-earning assets. As of June 30,
2020, the Banks met their reserve requirements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Community
Reinvestment Act.</I></B> All federal savings institutions have a continuing and affirmative obligation consistent with its safe
and sound operation to help meet the credit needs of its entire community, including low and moderate income neighborhoods. The
Community Reinvestment Act does not establish specific lending requirements or programs for financial institutions nor does it
limit an institution&rsquo;s discretion to develop the types of products and services that it believes are best suited to its
particular community, consistent with the Community Reinvestment Act. The Community Reinvestment Act requires the Office of the
Comptroller of the Currency, in connection with its examination of a savings institution, to assess the institution&rsquo;s record
of meeting the credit needs of its community and to take such record into account in its evaluation of certain applications by
such institution.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Community Reinvestment Act requires public disclosure of an institution&rsquo;s rating and requires the Office of the Comptroller
of the Currency to provide a written evaluation of an institution&rsquo;s Community Reinvestment Act performance utilizing a four-tiered
descriptive rating system. First Federal of Hazard and First Federal of Kentucky each received a &ldquo;Satisfactory&rdquo; rating
as a result of their most recent Community Reinvestment Act assessments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Holding
Company Regulation </B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>General.
</I></B>Kentucky First and First Federal MHC are savings and loan holding companies within the meaning of federal law. As such,
they are registered with the Federal Reserve Board and are subject to Federal Reserve Board regulations, examinations, supervision,
reporting requirements and regulations concerning corporate governance and activities. In addition, the Federal Reserve Board
has enforcement authority over Kentucky First and First Federal MHC and their non-savings institution subsidiaries. Among other
things, this authority permits the Federal Reserve Board to restrict or prohibit activities that are determined to be a serious
risk to First Federal of Hazard and/or First Federal of Kentucky.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Restrictions
Applicable to Mutual Holding Companies. </I></B>According to federal law and Federal Reserve Board regulations, a mutual holding
company, such as First Federal MHC, may generally engage in the following activities: (1) investing in the stock of insured depository
institutions and acquiring them by means of a merger or acquisition; (2) investing in a corporation the capital stock of which
may be lawfully purchased by a savings association under federal law; (3) furnishing or performing management services for a savings
association subsidiary of a savings and loan holding company; (4) conducting an insurance agency or escrow business; (5)&nbsp;holding,
managing or liquidating assets owned or acquired from a savings association subsidiary of the savings and loan holding company;
(6) holding or managing properties used or occupied by a savings association subsidiary of the savings and loan holding company;
(7) acting as trustee under deed of trust; (8) any activity permitted for multiple savings and loan holding companies by Federal
Reserve Board regulations; (9) any activity permitted by the Board of Governors of the Federal Reserve System for bank holding
companies and financial holding companies; and (10) any activity permissible for service corporations. Legislation, which authorized
mutual holding companies to engage in activities permitted for financial holding companies, expanded the authorized activities.
Financial holding companies may engage in a broad array of financial services activities, including insurance and securities.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
law prohibits a savings and loan holding company, including a federal mutual holding company, from directly or indirectly, or
through one or more subsidiaries, acquiring more than 5% of the voting stock of another savings institution, or its holding company,
without prior written approval of the Federal Reserve Board. Federal law also prohibits a savings and loan holding company from
acquiring or retaining control of a depository institution that is not insured by the Federal Deposit Insurance Corporation. In
evaluating applications by holding companies to acquire savings institutions, the Federal Reserve Board must consider the financial
and managerial resources and future prospects of the company and institution involved, the effect of the acquisition on the risk
to the insurance funds, the convenience and needs of the community and competitive factors.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Federal Reserve Board is prohibited from approving any acquisition that would result in a multiple savings and loan holding company
controlling savings institutions in more than one state, except: (1)&nbsp;the approval of interstate supervisory acquisitions
by savings and loan holding companies, and (2)&nbsp;the acquisition of a savings institution in another state if the laws of the
state of the target savings institution specifically permit such acquisitions. The states vary in the extent to which they permit
interstate savings and loan holding company acquisitions.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Capital
Requirements</I>.</B> Savings and loan holding companies historically have not been subject to specific regulatory capital requirements.
However, in July 2013, the Federal Reserve Board approved a new rule that implements the &ldquo;Basel III&rdquo; regulatory capital
reforms and changes required by the Dodd-Frank Act. The final rule established consolidated capital requirements for many savings
and loan holding companies, including the Company. See <I>&ldquo;Regulation and Supervision&mdash;Regulation of Federal Savings
Institutions &ndash; Capital Requirements,&rdquo;</I> above, as well as discussion about the Community Bank Leverage Ratio in Note K-Stockholders&rsquo; Equity and
Regulatory Capital of Notes to Consolidated Financial Statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>&nbsp;</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Source
of Strength.</I></B> The Dodd-Frank Act also extends the &ldquo;source of strength&rdquo; doctrine to savings and loan holding
companies. The regulatory agencies must promulgate regulations implementing the &ldquo;source of strength&rdquo; policy that holding
companies act as a source of strength to their subsidiary depository institutions by providing capital, liquidity and other support
in times of financial stress.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Dividends.
</I></B>The Federal Reserve Board has issued a policy statement on the payment of cash dividends by bank holding companies, which
expressed the Federal Reserve Board&rsquo;s view that a bank holding company should pay cash dividends only to the extent that
the company&rsquo;s net income for the past year is sufficient to cover both the cash dividends and a rate of earning retention
that is consistent with the company&rsquo;s capital needs, asset quality and overall financial condition. The Federal Reserve
Board also indicated that it would be inappropriate for a company experiencing serious financial problems to borrow funds to pay
dividends. Furthermore, under the prompt correction action regulations, the Federal Reserve Board may prohibit a bank holding
company from paying any dividends if the holding company&rsquo;s bank subsidiary is classified as &ldquo;undercapitalized.&rdquo;
See <I>&ldquo;Depository Institution Regulation &ndash; Prompt Corrective Regulatory Action.&rdquo;</I></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Stock
Holding Company Subsidiary Regulation. </I></B>Federal Reserve Board regulations govern the two-tier mutual holding company form
of organization and subsidiary stock holding companies that are controlled by mutual holding companies. Kentucky First is the
stock holding company subsidiary of First Federal MHC. Kentucky First is only permitted to engage in activities that are permitted
for First Federal MHC subject to the same restrictions and conditions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Waivers
of Dividends by First Federal MHC</I></B><I>. </I>Federal Reserve Board regulations require First Federal MHC to notify the Federal
Reserve Board if it proposes to waive receipt of our dividends from Kentucky First. The Dodd-Frank Act addresses the issue of
dividend waivers in the context of the transfer of the supervision of savings and loan holding companies to the Federal Reserve
Board. The Dodd-Frank Act specified that dividends may be waived if certain conditions are met, including that the Federal Reserve
Board does not object after being given written notice of the dividend and proposed waiver. The Dodd-Frank Act indicates that
the Federal Reserve Board may not object to such a waiver (i) if the mutual holding company involved has, prior to December 1,
2009, reorganized into a mutual holding company structure, engaged in a minority stock offering and waived dividends; (ii) the
board of directors of the mutual holding company expressly determines that a waiver of the dividend is consistent with its fiduciary
duties to members and (iii) the waiver would not be detrimental to the safe and sound operation of the savings association subsidiaries
of the holding company. The Federal Reserve Board will not consider the amount of dividends waived by the mutual holding company
in determining an appropriate exchange ratio in the event of a full conversion to stock form. Beginning with the dividend paid
in September 2012, First Federal MHC has annually sought member approval to obtain a waiver from the Federal Reserve Board to
waive the MHC&rsquo;s dividends from the Company. This effort has been successful each year, including an approval in 2020, which
will cover quarterly dividends of $0.10 per common share through May 2021. It is expected that First Federal MHC will continue
to waive future dividends, except to the extent dividends are needed to fund First Federal MHC&rsquo;s continuing operations,
subject to the ability of First Federal MHC to obtain regulatory approval of its requests to waive dividends and to its ability
to obtain member approval of dividend waivers. For more information, see Item 1A, <I>&ldquo;Risk Factors &ndash; Our ability to
pay dividends is subject to the ability of First Federal of Hazard and First Federal of Kentucky to make capital distributions
to Kentucky First and the waiver of dividends by First Federal MHC.&rdquo;</I></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>&nbsp;&nbsp;</I></FONT></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Conversion
of First Federal MHC to Stock Form. </I></B>Federal Reserve Board regulations permit First Federal MHC to convert from the mutual
form of organization to the capital stock form of organization. In a conversion transaction, a new holding company would be formed
as successor to First Federal MHC, its corporate existence would end, and certain depositors would receive the right to subscribe
for additional shares of the new holding company. In a conversion transaction, each share of common stock held by stockholders
other than First Federal MHC would be automatically converted into a number of shares of common stock of the new holding company
based on an exchange ratio determined at the time of conversion that ensures that stockholders other than First Federal MHC own
the same percentage of common stock in the new holding company as they owned in us immediately before conversion. Under Federal
Reserve Board regulations, stockholders other than First Federal MHC would not be diluted because of any dividends waived by First
Federal MHC (and waived dividends would not be considered in determining an appropriate exchange ratio, provided that the mutual
holding company involved was formed, engaged in a minority offering and waived dividends prior to December 1, 2009), in the event
First Federal MHC converts to stock form. First Federal MHC was formed, engaged in a minority stock offering and waived dividends
prior to December 1, 2009. The total number of shares held by stockholders other than First Federal MHC after a conversion transaction
also would be increased by any purchases by stockholders other than First Federal MHC in the stock offering conducted as part
of the conversion transaction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Acquisition
of Control. </I></B>Under the federal Change in Bank Control Act, a notice must be submitted to the Federal Reserve Board if any
person (including a company), or group acting in concert, seeks to acquire &ldquo;control&rdquo; of a savings and loan holding
company or savings association. An acquisition of &ldquo;control&rdquo; can occur upon the acquisition of 10% or more of the voting
stock of a savings and loan holding company or savings institution or as otherwise defined by the Federal Reserve Board. Under
the Change in Bank Control Act, the Federal Reserve Board has 60 days from the filing of a complete notice to act, taking into
consideration certain factors, including the financial and managerial resources of the acquirer and the anti-trust effects of
the acquisition. Any company that so acquires control would then be subject to regulation as a savings and loan holding company.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Future
Legislation.</I></B> On June 8, 2017, the U.S. House of Representatives passed the Financial CHOICE Act of 2017 (the &ldquo;CHOICE
Act&rdquo;), which would amend, repeal, and replace certain portions of Dodd-Frank Act. The CHOICE Act contains a broad range
of legislation that primarily affect larger banks. It also contains a range of provisions that would facilitate capital raising
by community banks in both mutual and stock form, and simplify the regulation and examination of community banks and mutual holding
companies.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant
provisions of the CHOICE Act, as it relates to community banks, include the following: (i) a bank of any size that maintains a
leverage capital ratio of at least 10% may elect to be regulated as a &ldquo;qualifying banking organization,&rdquo; and thereby
would be exempt from laws and regulations that address capital and liquidity requirements, capital distributions to stockholders,
and the enhanced prudential standards of the Dodd-Frank Act including mandatory stress testing, resolution plans and short-term
debt and leverage limit requirements, as well as other laws and regulations. Qualifying banking organizations would also be considered
&ldquo;well capitalized&rdquo; for purposes of the prompt corrective action rules, restrictions on brokered deposits, restrictions
on interstate branching and merger transactions, and other laws and regulations; (ii) the small bank holding company exemption
would be increased from $1.0 billion to $10.0 billion; (iii) mutual and stock federal savings banks would be able to elect to
exercise the same powers as national banks without converting charters; and (iv) the establishment of a safe-harbor from &ldquo;ability
to repay&rdquo; requirements for mortgage loans held by a depository institution since their origination.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
respect to the Securities and Exchange Commission and corporate governance compliance, the CHOICE Act reverses a number of changes
required by the Dodd-Frank Act. These include: prohibiting universal proxy ballots in proxy contests; modernizing stockholder
proposal thresholds; repealing the requirement that publicly traded companies disclose the ratio of median employee versus CEO
pay; and increasing the exemption from complying with an outside auditor&rsquo;s attestation of a company&rsquo;s internal financial
controls to issuers with market capitalizations of up to $500 million.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Under
the CHOICE Act, all federally-chartered mutual holding companies would be permitted to waive the receipt of dividends from their
mid-tier holding company or savings bank subsidiaries without obtaining a member vote and without dilution to minority stockholders
in the event the mutual holding company converts to stock form at a future date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management
believes that, if enacted, the CHOICE Act would provide substantial benefits to community banks and their holding companies. There
can be no assurance, however, that the CHOICE Act or any of its provisions will be enacted into law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Federal
and State Taxation</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>General.
</I></B>We report our income on a fiscal year basis using the cash method of accounting. See Note H-Federal Income Taxes in the
Notes to Consolidated Financial Statements for a description of the change in accounting method available through the Tax Cuts
and Jobs Act.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Federal
Taxation. </I></B>The federal income tax laws apply to us in the same manner as to other corporations with some exceptions, including
particularly the reserve for bad debts discussed below. The following discussion of tax matters is intended only as a summary
and does not purport to be a comprehensive description of the tax rules applicable to us. Our federal income tax returns are subject
to examination for years 2016 and later. The federal statutory tax rate was 21% for the fiscal years ended June 30, 2020 and 2019.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
December&nbsp;22, 2017, the Tax Cuts and Jobs Act was enacted, which amended the Internal Revenue Code of 1986, reducing tax rates
and modifying certain policies, credits, and deductions for individuals and businesses. Included in this legislation was a reduction
of the federal corporate income tax rate from 35% to 21%. The Tax Cuts and Jobs Act also added limitations on the deductibility
of business interest expense. While this limitation should not impact the deductibility of the Company&rsquo;s interest expense,
the limitation could impact our commercial borrowers. The Tax Cuts and Jobs Act also includes changes to personal income taxes,
including: (i)&nbsp;a lower limit on the deductibility of mortgage interest on single-family residential mortgages; (ii) the elimination
of interest deductions for home equity loans; and (iii) a limitation on the deductibility of property taxes and state and local
income taxes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
fiscal years beginning before June&nbsp;30, 1996, thrift institutions that qualified under certain definitional tests and other
conditions of the Internal Revenue Code were permitted to use certain favorable provisions to calculate their deductions from
taxable income for annual additions to their bad debt reserve. A reserve could be established for bad debts on qualifying real
property loans, generally secured by interests in real property improved or to be improved, under the percentage of taxable income
method or the experience method. The reserve for nonqualifying loans was computed using the experience method. Federal legislation
enacted in 1996 repealed the reserve method of accounting for bad debts and the percentage of taxable income method for tax years
beginning after 1995 and require savings institutions to recapture or take into income certain portions of their accumulated bad
debt reserves. First Federal of Hazard did not qualify for such favorable tax treatment for any years through 1996. Approximately
$5.2 million of First Federal of Kentucky First&rsquo;s accumulated bad debt reserves would not be recaptured into taxable income
unless Frankfort First makes a &ldquo;non-dividend distribution&rdquo; to Kentucky First as described below.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
First Federal of Hazard or First Federal of Kentucky makes &ldquo;non-dividend distributions&rdquo; to us, the distributions will
be considered to have been made from First Federal of Hazard&rsquo;s and First Federal of Kentucky&rsquo;s unrecaptured tax bad
debt reserves, including the balance of their reserves as of December&nbsp;31, 1987, to the extent of the &ldquo;non-dividend
distributions,&rdquo; and then from First Federal of Kentucky&rsquo;s supplemental reserve for losses on loans, to the extent
of those reserves, and an amount based on the amount distributed, but not more than the amount of those reserves, will be included
in First Federal of Kentucky&rsquo;s taxable income. Non-dividend distributions include distributions in excess of First Federal
of Kentucky&rsquo;s current and accumulated earnings and profits, as calculated for federal income tax purposes, distributions
in redemption of stock, and distributions in partial or complete liquidation. Dividends paid out of First Federal of Kentucky&rsquo;s
current or accumulated earnings and profits will not be so included in First Federal of Kentucky&rsquo;s taxable income.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
amount of additional taxable income triggered by a non-dividend distribution is an amount that, when reduced by the tax attributable
to the income, is equal to the amount of the distribution. Therefore, if First Federal of Kentucky makes a non-dividend distribution
to us, approximately one and one-half times the amount of the distribution not in excess of the amount of the reserves would be
includable in income for federal income tax purposes, assuming a 21% federal corporate income tax rate. First Federal of Kentucky
does not intend to pay dividends in the future that would result in a recapture of any portion of its bad debt reserves.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>State
Taxation.</I></B> Although First Federal MHC and Kentucky First are subject to the Kentucky corporation income tax and state corporation
license tax (franchise tax), the corporation license tax is repealed effective for tax periods ending on or after December 31,
2005. Gross income of corporations subject to Kentucky income tax is similar to income reported for federal income tax purposes
except that dividend income, among other income items, is exempt from taxation. For First Federal MHC and Kentucky First tax years
beginning July 1, 2005, the corporations are subject to an alternative minimum income tax. Corporations must pay the greater of
the income tax, the alternative tax or $175. The corporations can choose between two methods to calculate the alternative minimum;
9.5 cents per $100 of the corporation&rsquo;s gross receipts, or 75 cents per $100 of the corporation&rsquo;s Kentucky gross profits.
Kentucky gross profits means Kentucky gross receipts reduced by returns and allowances attributable to Kentucky gross receipts,
less Kentucky cost of goods sold. The corporations, in their capacity as holding companies for financial institutions, do not
have a material amount of cost of goods sold. Although the corporate license tax rate is 0.21% of total capital employed in Kentucky,
a bank holding company, as defined in Kentucky Revised Statutes 287.900, is allowed to deduct from its taxable capital, the book
value of its investment in the stock or securities of subsidiaries that are subject to the bank franchise tax.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Federal of Hazard and First Federal of Kentucky are exempt from both the Kentucky corporation income tax and corporation license
tax. However, both institutions are instead subject to the Savings and loan tax, an annual tax imposed on federally or state-chartered
savings and loan associations, savings banks and other similar institutions operating in Kentucky. The tax is 0.1% of taxable
capital stock held as of January&nbsp;1 each year. Taxable capital stock includes an institution&rsquo;s undivided profits, surplus
and general reserves plus savings accounts and paid-up stock less deductible items. Deductible items include certain exempt federal
obligations and Kentucky municipal bonds. Financial institutions which are subject to tax both within and without Kentucky must
apportion their net capital.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
March 26, 2019, HB 354 was enacted which sunsets the Savings and loan tax after 2021 and subjects financial institutions to the
corporate income tax beginning January 1, 2021. Effective January 1, 2021, the Savings and loan tax will no longer apply to financial
institutions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT>&nbsp;</P>

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<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U><A NAME="a_003"></A>Item 1A. Risk Factors.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Rising interest rates may hurt our
profits and asset values</I>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In response to the Covid-19 virus pandemic,
the Federal Reserve Board&rsquo;s Open Market Committee (&ldquo;FOMC&rdquo;) decreased interest rates to near zero in March 2020.
The low interest rate environment remained in effect at June 30, 2020, and the FOMC announced at its September 2020 meeting that
it expects interest rates to remain low through 2023.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If interest rates rise, our net interest
income may decline in the short term since, due to the generally shorter terms of interest-bearing liabilities, interest expense
paid on interest-bearing liabilities, increases more quickly than interest income earned on interest-earning assets, such as loans
and investments. In addition, rising interest rates may hurt our income because of reduced demand for new loans, the demand for
refinancing loans and the interest and fee income earned on new loans and refinancings. While we believe that modest interest
rate increases will not significantly hurt our interest rate spread over the long term due to our high level of liquidity and
the presence of a significant amount of adjustable-rate mortgage loans in our loan portfolio, interest rate increases may initially
reduce our interest rate spread until such time as our loans and investments reprice to higher levels.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Changes in interest rates also affect
the value of our interest-earning assets, and in particular our securities portfolio. Generally, the value of fixed-rate securities
fluctuates inversely with changes in interest rates. Unrealized gains and losses on securities available for sale are reported
as separate components of equity. Decreases in the fair value of securities available for sale resulting from increases in interest
rates therefore could have an adverse effect on stockholders&rsquo; equity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>We may be adversely affected by
recent changes in U.S. tax laws and regulations. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Changes in tax laws contained in the Tax
Cuts and Jobs Act, which was enacted in December&nbsp;2017, include a number of provisions that will have an impact on the banking
industry, borrowers and the market for residential real estate. Included in this legislation were: (i)&nbsp;a lower limit on the
deductibility of mortgage interest on single-family residential mortgage loans, (ii) the elimination of interest deductions for
home equity loans, (iii) a limitation on the deductibility of business interest expense and (iv) a limitation on the deductibility
of property taxes and state and local income taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The recent changes in the tax laws may
have an adverse effect on the market for, and valuation of, residential properties, and on the demand for such loans in the future,
and could make it harder for borrowers to make their loan payments. If home ownership becomes less attractive, demand for mortgage
loans could decrease. The value of the properties securing loans in our loan portfolio may be adversely impacted as a result of
the changing economics of home ownership, which could require an increase in our provision for loan losses, which would reduce
our profitability and could materially adversely affect our business, financial condition and results of operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>A larger percentage of our loans
are collateralized by real estate and disruptions in the real estate market may result in losses and hurt our earnings.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Approximately 95.9% of our loan portfolio
at June 30, 2020 was comprised of loans collateralized by real estate. Disruptions in the real estate market could significantly
impair the value of our collateral and our ability to sell the collateral upon foreclosure. The real estate collateral in each
case provides an alternate source of repayment in the event of default by the borrower and may deteriorate in value during the
time the credit is extended. If real estate values decline, it will become more likely that we would be required to increase our
allowance for loan losses. If during a period of reduced real estate values, we are required to liquidate the collateral securing
a loan to satisfy the debt or to increase our allowance for loan losses, it could materially reduce our profitability and adversely
affect our financial condition.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>&nbsp;</I></B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Strong competition within our market
areas could hurt our profits and slow growth.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Although we consider ourselves competitive
in our market areas, we face intense competition both in making loans and attracting deposits. Price competition for loans and
deposits might result in our earning less on our loans and paying more on our deposits, which reduces net interest income. Some
of the institutions with which we compete have substantially greater resources than we have and may offer services that we do
not provide. We expect competition to increase in the future as a result of legislative, regulatory and technological changes
and the continuing trend of consolidation in the financial services industry. Our profitability will depend upon our continued
ability to compete successfully in our market areas.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>The distressed economy in First
Federal of Hazard&rsquo;s market area could hurt our profits and slow our growth.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">First Federal of Hazard&rsquo;s market
area consists of Perry and surrounding counties in eastern Kentucky. The economy in this market area has been distressed in recent
years due to the decline in the coal industry on which the economy has been dependent. While the region has seen improvement in
the economy from the influx of other industries, such as health care and manufacturing, the competition provided by new methods
of extracting natural gas has recently hurt the coal industry. As a consequence, the economy in First Federal of Hazard&rsquo;s
market area continues to lag behind the economies of Kentucky and the United States and First Federal of Hazard has experienced
insufficient loan demand in its market area. Moreover, the slow economy in First Federal of Hazard&rsquo;s market area will limit
our ability to grow our asset base in that market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Regulation of the financial services
industry is undergoing major changes, and we may be adversely affected by changes in laws and regulations. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We are subject to extensive government
regulation, supervision and examination. Such regulation, supervision and examination governs the activities in which we may engage,
and is intended primarily for the protection of the deposit insurance fund and our depositors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In 2010 and 2011, in response to the financial
crisis and recession that began in 2008, significant regulatory and legislative changes resulted in broad reform and increased
regulation affecting financial institutions. The Dodd-Frank Act has created a significant shift in the way financial institutions
operate and has restructured the regulation of depository institutions by merging the Office of Thrift Supervision, which previously
regulated the Banks, into the Office of the Comptroller of the Currency, and assigning the regulation of savings and loan holding
companies, including the Company and the MHC, to the Federal Reserve Board. The Dodd-Frank Act also created the Consumer Financial
Protection Bureau to administer consumer protection and fair lending laws, a function that was formerly performed by the depository
institution regulators. As required by the Dodd-Frank Act, the federal banking regulators have proposed new consolidated capital
requirements that will limit our ability to borrow at the holding company level and invest the proceeds from such borrowings as
capital in the Banks that could be leveraged to support additional growth. The Dodd-Frank Act contains various other provisions
designed to enhance the regulation of depository institutions and prevent the recurrence of a financial crisis such as that which
occurred in 2008 and 2009. The full impact of the Dodd-Frank Act on our business and operations may not be known for years until
final regulations implementing the legislation are adopted. The Dodd-Frank Act may have a material impact on our operations, particularly
through increased regulatory burden and compliance costs. Any future legislative changes could have a material impact on our profitability,
the value of assets held for investment or the value of collateral for loans. Future legislative changes could also require changes
to business practices and potentially expose us to additional costs, liabilities, enforcement action and reputational risk.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition to the enactment of the Dodd-Frank
Act, the federal regulatory agencies recently have begun to take stronger supervisory actions against financial institutions that
have experienced increased loan losses and other weaknesses as a result of the recent economic crisis. These actions include the
entering into of written agreements and cease and desist orders that place certain limitations on their operations. Federal banking
regulators recently have also been using with more frequency their ability to impose individual minimal capital requirements on
banks, which requirements may be higher than those imposed under the Dodd-Frank Act or which would otherwise qualify the bank
as being &ldquo;well capitalized&rdquo; under the Office of the Comptroller of the Currency&rsquo;s prompt corrective action regulations.
If we were to become subject to a supervisory agreement or higher individual capital requirements, such action may have a negative
impact on our ability to execute our business plans, as well as our ability to grow, pay dividends, repurchase stock or engage
in mergers and acquisitions and may result in restrictions in our operations. See <I>&ldquo;Regulation and Supervision&mdash;Regulation
of Federal Savings Institutions&mdash;Capital Requirements&rdquo;</I> for a discussion of regulatory capital requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>We expect that our return on equity
will be low compared to other companies as a result of our high level of capital.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Return on average equity, which equals
net income divided by average equity, is a ratio used by many investors to compare the performance of a particular company with
other companies. For the year ended June 30, 2020, our return on average equity was -19.0%. We may manage excess capital through
a stock repurchase program when cash availability and market prices make such purchases appropriate. Our goal of generating a
return on average equity that is competitive with other publicly-held subsidiaries of mutual holding companies, by increasing
earnings per share and book value per share, without assuming undue risk, could take a number of years to achieve, and we cannot
assure that our goal will be attained. Consequently, you should not expect a competitive return on average equity in the near
future. Failure to achieve a competitive return on average equity might make an investment in our common stock unattractive to
some investors and might cause our common stock to trade at lower prices than comparable companies with higher returns on average
equity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>We may be subject to more stringent
capital requirements.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In July 2013, the OCC and the Federal
Reserve Board approved a new rule that will substantially amend the regulatory risk-based capital rules applicable to First
Federal of Hazard, First Federal of Kentucky and Kentucky First. The final rule implements the &ldquo;Basel III&rdquo;
regulatory capital reforms and changes required by the Dodd-Frank Act. The final rule includes new minimum risk-based capital
and leverage ratios, which became effective for First Federal of Hazard, First Federal of Kentucky and Kentucky First on
January 1, 2015, and refines the definition of what constitutes &ldquo;capital&rdquo; for purposes of calculating these
ratios. The new minimum capital requirements are: (i) a new common equity Tier 1 capital ratio of 4.5%; (ii) a Tier 1 to
risk-based assets capital ratio of 6% (increased from 4%); (iii) a total capital ratio of 8% (unchanged from current rules);
and (iv) a Tier 1 leverage ratio of 4%. The final rule also establishes a &ldquo;capital conservation&rdquo; buffer of 2.5%,
and will result in the following minimum ratios: (i) a common equity Tier 1 capital ratio of 7%; (ii) a Tier 1 to risk-based
assets capital ratio of 8.5%; and (iii) a total capital ratio of 10.5%. The new capital conservation buffer requirement was
phased in beginning in January 2016 at 0.625% of risk-weighted assets and increased each year until fully implemented in
January 2019. An institution will be subject to limitations on paying dividends, engaging in share repurchases, and paying
discretionary bonuses if its capital level falls below the buffer amount. These limitations will establish a maximum
percentage of eligible retained income that can be utilized for such actions. As of June 30, 2020, the capital levels of
First Federal of Hazard and First Federal of Kentucky exceed the required capital amounts according to the Community Bank
Leverage Ratio regulations and we believe they also meet the fully-phased in minimum capital requirements. See Note K-Stockholders&rsquo; Equity and Regulatory Capital of Notes to Consolidated Financial Statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The application of more stringent capital
requirements for us could among other things, result in lower returns on equity, require the raising of additional capital, and
result in regulatory actions constraining us from paying dividends or repurchasing shares if we were unable to comply with such
requirements. See <I>&ldquo;Regulation and Supervision&mdash;Regulation of Federal Savings Institutions&mdash;Capital Requirements.&rdquo;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Additional annual employee compensation
and benefit expenses may reduce our profitability and stockholders&rsquo; equity</I>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We will continue to recognize employee
compensation and benefit expenses for employees and executives under our benefit plans. With regard to the employee stock ownership
plan, applicable accounting practices require that the expense be based on the fair market value of the shares of common stock
at specific points in the future, therefore we will recognize expenses for our employee stock ownership plan when shares are committed
to be released to participants&rsquo; accounts. In addition, employees of both subsidiary Banks participate in a defined-benefit
plan through Pentegra. Costs associated with the defined-benefit plans could increase or legislation could be enacted that would
increase the Banks&rsquo; obligations under the plan or change the methods the Banks use in accounting for the plans. Those changes
could adversely affect personnel expense and the Company&rsquo;s balance sheet. The Company froze the defined benefit plan in
April 2019 after which time active employees will no longer accrue additional benefits in the plan and no new employees will be
enrolled in the plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>First Federal MHC owns a majority
of our common stock and is able to exercise voting control over most matters put to a vote of stockholders, including preventing
sale or merger transactions you may like or a second-step conversion by First Federal MHC.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">First Federal MHC owns a majority of our
common stock and, through its Board of Directors, is able to exercise voting control over most matters put to a vote of stockholders.
As a federally chartered mutual holding company, the board of directors of First Federal MHC must ensure that the interests of
depositors of First Federal of Hazard are represented and considered in matters put to a vote of stockholders of Kentucky First.
Therefore, the votes cast by First Federal MHC may not be in your personal best interests as a stockholder. For example, First
Federal MHC may exercise its voting control to prevent a sale or merger transaction in which stockholders could receive a premium
for their shares, prevent a second-step conversion transaction by First Federal MHC or defeat a stockholder nominee for election
to the Board of Directors of Kentucky First. However, implementation of a stock-based incentive plan will require approval of
Kentucky First&rsquo;s stockholders other than First Federal MHC. Federal Reserve Board regulations would likely prevent an acquisition
of Kentucky First other than by another mutual holding company or a mutual institution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>There may be a limited market for
our common stock which may lower our stock price.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Although our shares of common stock are
listed on the Nasdaq Global Market, there is no guarantee that the shares will be regularly traded. If an active trading market
for our common stock does not develop, you may not be able to sell all of your shares of common stock on short notice and the
sale of a large number of shares at one time could temporarily depress the market price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Our ability to pay dividends is
subject to the ability of First Federal of Hazard and First Federal of Kentucky to make capital distributions to Kentucky First
and the waiver of dividends by First Federal MHC.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our long-term ability to pay dividends
to our stockholders is based primarily upon the ability of the Banks to make capital distributions to Kentucky First, and also
on the availability of cash at the holding company level in the event earnings are not sufficient to pay dividends according to
the cash dividend payout policy. Under Office of the Comptroller of the Currency safe harbor regulations, the Banks may each distribute
to Kentucky First capital not exceeding net retained income for the current calendar year and the prior two calendar years. First
Federal MHC owns a majority of Kentucky First&rsquo;s outstanding stock. First Federal MHC has historically waived its right to
dividends on the Kentucky First common shares it owns, in which case the amount of dividends paid to public stockholders is significantly
higher than it would be if First Federal MHC accepted dividends. First Federal MHC is not required to waive dividends, but Kentucky
First expects this practice to continue, subject to member and regulatory approval annually. First Federal MHC is required to
obtain a waiver from the Federal Reserve Board allowing it to waive its right to dividends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Federal Reserve Board in 2011 issued
regulations that govern the activities of Kentucky First and First Federal MHC and the regulations were implemented in the fourth
quarter of 2011. Under Section 239.8(d) of the Federal Reserve Board&rsquo;s Regulation MM governing dividend waivers, a mutual
holding company may waive its right to dividends on shares of its subsidiary if the mutual holding company gives written notice
of the waiver to the Federal Reserve Board and the Federal Reserve Board does not object. For a company such as First Federal
MHC that waived dividends prior to December 1, 2009, the Federal Reserve Board may not object to a dividend waiver if such waiver
would not be detrimental to the safety and soundness of the savings association subsidiary and the board of directors of the mutual
holding company expressly determines that such dividend waiver is consistent with the board&rsquo;s fiduciary duties to the members
of the mutual holding company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">To address concerns with respect to the
conflict of interest created by dividend waivers, Regulation MM requires the board of directors of the mutual holding company
to adopt a resolution that describes the conflict of interest that exists because of a director&rsquo;s ownership of stock in
the subsidiary declaring the dividends and any actions the mutual holding company board have taken to eliminate the conflict of
interest, such as the directors&rsquo; waiving their right to receive dividends. Also, the resolution must contain an affirmation
that a majority of the mutual members eligible to vote have, within the 12 months prior to the declaration date of the dividend,
voted to approve the waiver of dividends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">First Federal MHC has received Federal
Reserve Board approval to waive quarterly dividends totaling $0.40 per share annually beginning with the dividend paid on September
28, 2012 and continuing through the dividend payable in the third quarter of 2021. It is expected that First Federal MHC will
continue to waive future dividends, except to the extent dividends are needed to fund First Federal MHC&rsquo;s continuing operations,
subject to the ability of First Federal MHC to obtain regulatory approval of its requests to waive dividends and to its ability
to obtain member approval of dividend waivers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We cannot predict whether members will
continue to approve annual dividend waiver requests or whether the Federal Reserve Board will grant future dividend waiver requests
and, if granted, there can be no assurance as to the conditions, if any, the Federal Reserve Board will place on future dividend
waiver requests by grandfathered mutual holding companies such as First Federal MHC. If First Federal MHC is unable to waive the
receipt of dividends, our ability to pay dividends to our stockholders may be substantially impaired and the amounts of any such
dividends may be significantly reduced.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>We are subject to certain risks
in connection with our use of technology.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><I>Our security measures may not be sufficient
to mitigate the risk of a cyber attack.</I> Communications and information systems are essential to the conduct of our business,
as we use such systems to manage our customer relationships, our general ledger and virtually all other aspects of our business.
Our operations rely on the secure processing, storage, and transmission of confidential and other information in our computer
systems and networks. Although we take protective measures and endeavor to modify them as circumstances warrant, the security
of our computer systems, software, and networks may be vulnerable to breaches, unauthorized access, misuse, computer viruses,
or other malicious code and cyber attacks that could have a security impact. If one or more of these events occur, this could
jeopardize our or our customers&rsquo; confidential and other information processed and stored in, and transmitted through, our
computer systems and networks, or otherwise cause interruptions or malfunctions in our operations or the operations of our customers
or counterparties. We may be required to expend significant additional resources to modify our protective measures or to investigate
and remediate vulnerabilities or other exposures, and we may be subject to litigation and financial losses that are either not
insured against or not fully covered through any insurance maintained by us. We could also suffer significant reputational damage.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Security breaches in our Internet banking
activities could further expose us to possible liability and damage our reputation. Any compromise of our security also could
deter customers from using our Internet banking services that involve the transmission of confidential information. We rely on
standard Internet security systems to provide the security and authentication necessary to effect secure transmission of data.
These precautions may not protect our systems from compromises or breaches of our security measures, which could result in significant
legal liability and significant damage to our reputation and our business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><I>Our security measures may not protect
us from systems failures or interruptions. </I>While we have established policies and procedures to prevent or limit the impact
of systems failures and interruptions, there can be no assurance that such events will not occur or that they will be adequately
addressed if they do. In addition, we outsource certain aspects of our data processing and other operational functions to certain
third-party providers. If our third-party providers encounter difficulties, or if we have difficulty in communicating with them,
our ability to adequately process and account for transactions could be affected, and our business operations could be adversely
impacted. Threats to information security also exist in the processing of customer information through various other vendors and
their personnel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The occurrence of any failures or interruptions
may require us to identify alternative sources of such services, and we cannot assure you that we could negotiate terms that are
as favorable to us, or could obtain services with similar functionality as found in our existing systems without the need to expend
substantial resources, if at all. Further, the occurrence of any systems failure or interruption could damage our reputation and
result in a loss of customers and business, could subject us to additional regulatory scrutiny, or could expose us to legal liability.
Any of these occurrences could have a material adverse effect on our financial condition and results of operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>We expect that the implementation
of a new accounting standard could require us to increase our allowance for loan losses and may have a material adverse effect
on our financial condition and results of operations. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Financial Accounting Standards Board
(&ldquo;FASB&rdquo;) has adopted a new accounting standard that will be effective for the Kentucky First, First Federal of Hazard
and First Federal of Kentucky for our fiscal year beginning July 1, 2023. This standard, referred to as Current Expected Credit
Loss, or CECL, will require financial institutions to determine periodic estimates of lifetime expected credit losses on loans,
and provide for the expected credit losses as allowances for loan losses. This will change the current method of providing allowances
for loan losses that are probable, which we expect could require us to increase our allowance for loan losses, and will likely
greatly increase the data we would need to collect and review to determine the appropriate level of the allowance for loan losses.
Any increase in our allowance for loan losses, or expenses incurred to determine the appropriate level of the allowance for loan
losses, may have a material adverse effect on our financial condition and results of operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>If we are required to impair our
goodwill, intangibles, or other long lived assets, our financial condition and results of operations would be adversely affected.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Pursuant to Accounting Standards Codification
(&quot;ASC&quot;) 350, Intangibles - Goodwill and Other and ASC 360, Property, Plant and Equipment, we are required to perform
an annual impairment review of goodwill, intangibles and other long lived assets which could result in an impairment charge if
it is determined that the carrying value of the assets are in excess of the fair value. We perform the impairment test annually
during our fourth fiscal quarter. Goodwill, intangibles and other long lived assets are also tested more frequently if changes
in circumstances or the occurrence of events indicates that a potential impairment exists. When changes in circumstances, such
as changes in the variables associated with the judgments, assumptions and estimates made in assessing the appropriate fair value
indicate the carrying amount of certain assets may not be recoverable, the assets are evaluated for impairment. If actual operating
results differ from these assumptions, it may result in an asset impairment. As of June 30, 2020, management early adopted ASU
2017-04, <I>Intangibles-Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment, </I>which simplifies the
required method for estimating the fair value of the Company. During its most recent evaluation, management identified the existence
of and recorded a $13.6 million impairment charge. Future write-downs of intangibles and other long lived assets could affect
certain of the financial covenants under our debt agreements, could restrict our financial flexibility, and would impact our results
of operations.<SUP></SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>The ongoing COVID-19 pandemic and
measures intended to prevent its spread could have a material adverse effect on our business, results of operations and financial
condition, and such effects will depend on future developments, which are highly uncertain and are difficult to predict.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Global health concerns relating to the
COVID-19 outbreak and related government actions taken to reduce the spread of the virus have been weighing on the macroeconomic
environment, and the outbreak has significantly increased economic uncertainty and reduced economic activity. The outbreak has
resulted in authorities implementing numerous measures to try to contain the virus, such as travel bans and restrictions, quarantines,
shelter in place or stay-at-home orders and business limitations and shutdowns. Such measures have significantly contributed to
rising unemployment and negatively impacted consumer and business spending. Local jurisdictions have subsequently lifted stay-at-home
orders and moved to phased reopening of businesses, although capacity restrictions and health and safety recommendations that
encourage continued physical distancing and teleworking have limited the ability of businesses to return to pre-pandemic levels
of activity. The United States government has taken steps to attempt to mitigate some of the more severe anticipated economic
effects of the virus, including the passage of the CARES Act, but there can be no assurance that such steps will be effective
or achieve their desired results in a timely fashion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The outbreak has adversely impacted and
is likely to further adversely impact our workforce and operations and the operations of our borrowers, customers and business
partners. In particular, we may experience financial losses due to a number of operational factors impacting us or our borrowers,
customers or business partners, including but not limited to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Demand
                                         for our products and services may decline, making it difficult to grow assets and income;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Credit
                                         losses resulting from financial stress being experienced by our borrowers as a result
                                         of the outbreak and related governmental actions, particularly in the hospitality, energy,
                                         retail and restaurant industries, but across other industries as well;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">If
                                         the economy is unable to substantially reopen, and high levels of unemployment continue
                                         for an extended period of time, loan delinquencies, problem assets, and foreclosures
                                         may increase, resulting in increased charge-offs and reduced income;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Collateral
                                         for loans, especially real estate, may decline in value, which could cause loan losses
                                         to increase;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Our
                                         allowance for loan losses may have to be increased if borrowers experience financial
                                         difficulties beyond forbearance periods, which will adversely affect our net income;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
                                         net worth and liquidity of loan guarantors may decline, impairing their ability to honor
                                         commitments to us;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">As
                                         the result of the decline in the Federal Reserve Board&rsquo;s target federal funds rate,
                                         the yield on our assets may decline to a greater extent than the decline in our cost
                                         of interest-bearing liabilities, reducing our net interest margin and spread and reducing
                                         net income;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">A
                                         material decrease in net income or a net loss over several quarters could result in a
                                         decrease in the rate of our quarterly cash dividend;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Operational
                                         failures due to changes in our normal business practices necessitated by the outbreak
                                         and related governmental actions.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Increased
                                         cyber and payment fraud risk, as cybercriminals attempt to profit from the disruption,
                                         given increased online and remote activity;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">A
                                         prolonged weakness in economic conditions resulting in a reduction of future projected
                                         earnings could result in our recording a valuation allowance against our current outstanding
                                         deferred tax assets;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">We
                                         rely on third party vendors for certain services and the unavailability of a critical
                                         service due to the COVID-19 outbreak could have an adverse effect on us; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Federal
                                         Deposit Insurance Corporation premiums may increase if the agency experiences additional
                                         resolution costs.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The pandemic has introduced increasing
uncertainty around the local and national economy. Regulatory treatment of loan deferrals has been changed to encourage loan deferrals.
Although the deferrals may lessen credit losses in the long run, they make our credit metrics less transparent, timely and useful.
The increased volume of loan related work including processing deferrals, processing PPP loan requests and changing regulations
increases inherent credit risks, and loans with deferred payments are more likely to default in the future. The Company believes
there could be potential stresses on liquidity management as a direct result of the COVID-19 pandemic. As customers manage their
own liquidity stress, we could experience an increase in the utilization of existing lines of credit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The spread of COVID-19 has caused us to
modify our business practices (including restricting employee travel, and developing work from home and social distancing plans
for our employees), and we may take further actions as may be required by government authorities or as we determine are in the
best interests of our employees, customers and business partners. There is no certainty that such measures will be sufficient
to mitigate the risks posed by the virus or will otherwise be satisfactory to government authorities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The extent to which the coronavirus outbreak
impacts our business, results of operations and financial condition will depend on future developments, which are highly uncertain
and are difficult to predict, including, but not limited to, the duration and spread of the outbreak, its severity, the actions
to contain the virus or treat its impact, and how quickly and to what extent normal economic and operating conditions can resume.
Even after the COVID-19 outbreak has subsided, we may continue to experience materially adverse impacts to our business as a result
of the virus&rsquo;s global economic impact, including the availability of credit, adverse impacts on our liquidity and any recession
that has occurred or may occur in the future.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">There are no comparable recent events
that provide guidance as to the effect the spread of COVID-19 as a global pandemic may have, and, as a result, the ultimate impact
of the outbreak is highly uncertain and subject to change. We do not yet know the full extent of the impacts on our business,
our operations or the global economy as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_004"></A><B><U>Item 1B. Unresolved Staff Comments.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">None.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_005"></A><B><U>Item 2.</U></B><U>&nbsp;&nbsp;<B>Properties.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We conduct our business through seven
offices. The following table sets forth certain information relating to our offices at June 30, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Year<BR>
    Opened/Acquired</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Owned
    or<BR>
    Leased</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Net<BR>
    Book<BR>
    Value at<BR>
    June 30,<BR>
    2020</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Approximate<BR>
    Square Footage</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="11" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Dollars
    in thousands)</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="11" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>First Federal of Hazard</I></B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.125in">Main Office:</P></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in; width: 56%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">655 Main Street<BR>
    Hazard, Kentucky 41701</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2016</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Owned</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">718</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,600</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>First Federal of Kentucky </I></B></FONT></P>
        <P STYLE="margin-left: 0.125in; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Main
Office:<BR> 216 West Main Street<BR> Frankfort, Kentucky 40601</FONT></P></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2005</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Owned</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">891</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,000</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">194 Versailles Road<BR>
    Frankfort, Kentucky 40601</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2015</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Owned</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">840</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,700</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1220 US 127 South<BR>
    Frankfort, Kentucky 40601</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2005</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Owned</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">468</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,480</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">340 West Main Street<BR>
    Danville, Kentucky 40422</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2012</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Owned</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">450</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,700</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">120 Skywatch Drive</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.13in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Danville, Kentucky 40422</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2012</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Owned</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">723</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,300</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">208 Lexington Street</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.13in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lancaster, Kentucky 40444</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2012</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Owned</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">454</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,300</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The net book value of our investment in
premises and equipment was $4.9 million at June 30, 2020. See Note E of Notes to Consolidated Financial Statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_006"></A><B><U>Item 3. Legal Proceedings.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">From time to time, we may be defendants
in claims and lawsuits against us, such as claims to enforce liens, condemnation proceedings on properties in which we hold security
interests, claims involving the making and servicing of real property loans and other issues incident to our business. We are
not a party to any pending legal proceedings that we believe could have a material adverse effect on our financial condition,
results of operations or cash flows.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_007"></A><B><U>Item 4.</U></B><U>&nbsp;&nbsp;<B>Mine
Safety Disclosures.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Not applicable.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="a_008"></A><B>PART II</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_009"></A><B><U>Item 5.</U></B><U>&nbsp;<B>Market
for the Registrant&rsquo;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0px">&nbsp;</TD>
    <TD STYLE="width: 48px"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(a)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The information
    contained under the sections captioned &ldquo;<I>Market Information</I>&rdquo; in the Company&rsquo;s Annual Report to Stockholders
    for the Fiscal Year Ended June 30, 2020 (the &ldquo;Annual Report&rdquo;) filed as Exhibit 13 hereto is incorporated herein
    by reference.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0px">&nbsp;</TD>
    <TD STYLE="width: 48px"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(b)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Not applicable.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0px">&nbsp;</TD>
    <TD STYLE="width: 48px"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(c)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company repurchased
    the following equity securities registered under the Securities Exchange Act of 1934, as amended, during the fourth quarter
    of the fiscal year ended June 30, 2020.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Period</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(a)
    <BR>
    Total<BR>
    Number of<BR>
    Shares<BR>
    Purchased</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(b)<BR>
    Average<BR>
    Price Paid<BR>
    per Share</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(c)
    <BR>
    Total Number of Shares Purchased<BR>
    as Part of Publicly<BR>
    Announced Plans or Programs</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(d)
    <BR>
    Maximum<BR>
    Number of Shares That May Yet Be Purchased Under<BR>
    the Plans or<BR>
    Programs (1)</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">April 2020</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Beginning date: April 1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in; width: 52%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending date: April 30</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18,900</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">May 2019</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Beginning date: May 1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending date: May 31</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18,900</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 2019</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Beginning date: June 1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending date: June 30</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.72</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18,900</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double">&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD STYLE="border-bottom: black 4.5pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.72</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double">&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double">&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18,900</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24px"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(1)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">On December 19,
    2018, the Company announced a program (its eighth) to repurchase up to 150,000 shares of its Common Stock.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_010"></A><B><U>Item 6.</U></B><U>&nbsp;&nbsp;<B>Selected
Financial Data.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This item is not applicable, as the Company
is a smaller reporting company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_011"></A><B><U>Item 7.</U></B><U>&nbsp;&nbsp;<B>Management&rsquo;s
Discussion and Analysis of Financial Condition and Results of Operations.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The information contained in the section
captioned &ldquo;<I>Management&rsquo;s Discussion and Analysis of Financial Condition and Results of Operations</I>&rdquo; in
the Annual Report, is incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_012"></A><B><U>Item 7A.</U></B><U>&nbsp;&nbsp;<B>Quantitative
and Qualitative Disclosures About Market Risk.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This item is not applicable, as the Company
is a smaller reporting company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_013"></A><B><U>Item 8.</U></B><U>&nbsp;&nbsp;<B>Financial
Statements and Supplementary Data.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Consolidated Financial Statements,
Notes to Consolidated Financial Statements, Report of Independent Registered Public Accounting Firm and Selected Financial Data,
which are listed under Item 15 herein, are included in the Annual Report and are incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_014"></A><B><U>Item 9.</U></B><U>&nbsp;&nbsp;<B>Changes
in and Disagreements With Accountants on Accounting and Financial Disclosure.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">None.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_015"></A><B><U>Item 9A. Controls and Procedures.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(a)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Disclosure Controls
    and Procedures</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Company&rsquo;s management, including
the Company&rsquo;s principal executive officer and principal financial officer, have evaluated the effectiveness of the Company&rsquo;s
&ldquo;disclosure controls and procedures,&rdquo; as such term is defined in Rule 13a-15(e) promulgated under the Securities Exchange
Act of 1934, as amended, (the &ldquo;Exchange Act&rdquo;). Based upon their evaluation, the principal executive officer and principal
financial officer concluded that, as of the end of the period covered by this report, the Company&rsquo;s disclosure controls
and procedures were effective for the purpose of ensuring that the information required to be disclosed in the reports that the
Company files or submits under the Exchange Act with the Securities and Exchange Commission (the &ldquo;SEC&rdquo;) (1) is recorded,
processed, summarized and reported within the time periods specified in the SEC&rsquo;s rules and forms, and (2) is accumulated
and communicated to the Company&rsquo;s management, including its principal executive and principal financial officers, as appropriate
to allow timely decisions regarding required disclosure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(b)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Internal Control
    Over Financial Reporting</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><IMG SRC="img_001.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><I>Parent Company of First Federal Savings
and Loan Association of Hazard and First Federal Savings Bank of Kentucky</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>MANAGEMENT&rsquo;S ANNUAL REPORT ON
INTERNAL CONTROL</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OVER FINANCIAL REPORTING</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Management of Kentucky First Federal Bancorp
(the &ldquo;Company&rdquo;) is responsible for the preparation, integrity, and fair presentation of the consolidated financial
statements included in this annual report. The Company&rsquo;s consolidated financial statements have been prepared in accordance
with accounting principles generally accepted in the United States of America and, as such, include some amounts that are based
on the best estimates and judgments of management.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Company&rsquo;s management is responsible
for establishing and maintaining adequate internal control over financial reporting. The internal control system is designed to
provide reasonable assurance to management and the Board of Directors regarding the reliability of the company&rsquo;s financial
reporting and the preparation and presentation of financial statements for external reporting purposes in conformity with accounting
principles generally accepted in the United States of America, as well as to safeguard assets from unauthorized use or disposition.
The system of internal control over financial reporting is evaluated for effectiveness by management and tested for reliability
through a program of internal audit with actions taken to correct potential deficiencies as they are identified. Because of inherent
limitations in any internal control system, no matter how well designed, misstatements due to error or fraud may occur and not
be detected, including the possibility of the circumvention or overriding controls. Accordingly, even an effective internal control
system can provide only reasonable assurance with respect to financial statement preparation. Further, because of changes in conditions,
internal control effectiveness may vary over time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Management assessed the effectiveness
of the company&rsquo;s internal control over financial reporting as of June 30, 2020, based upon criteria set forth in Internal
Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission &ndash; 2013 (&ldquo;COSO&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Based on this assessment and on the forgoing
criteria, management has concluded that, as of June 30, 2020, the Company&rsquo;s internal control over financial reporting is
effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This annual report does not include an
attestation report of the Company&rsquo;s registered public accounting firm regarding internal control over financial reporting.
Management&rsquo;s report was not subject to attestation by the Company&rsquo;s registered public accounting firm pursuant to
the exemption provided to issuers that are not &ldquo;large accelerated filers&rdquo; or &ldquo;accelerated filers&rdquo; under
the Dodd-Frank Wall Street Reform and Consumer Protection Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%; border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Don D. Jennings</FONT></TD>
    <TD STYLE="width: 20%">&nbsp;</TD>
    <TD STYLE="width: 40%; border-bottom: black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    R. Clay Hulette</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Don D. Jennings</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R. Clay Hulette</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief Executive Officer</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Vice President and Chief Financial Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px">&nbsp;</TD>
    <TD STYLE="width: 48px"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(c)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Changes to Internal
    Control Over Financial Reporting</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">There were no changes in our internal
control over financial reporting that occurred during the quarter ended June 30, 2020 that have materially affected, or are reasonably
likely to materially affect, our internal control over financial reporting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_016"></A><B><U>Item 9B. Other Information.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="a_017"></A><B>PART III</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_018"></A><B><U>Item 10.</U></B><U>&nbsp;&nbsp;<B>Directors,
Executive Officers, and Corporate Governance.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Directors</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The information contained under the section
captioned &ldquo;<I>Item I &#9472; Election of Directors</I>&rdquo; in the Company&rsquo;s definitive proxy statement for the
Company&rsquo;s 2019 Annual Meeting of Stockholders (the &ldquo;Proxy Statement&rdquo;) is incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Executive Officers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The information regarding the Company&rsquo;s
executive officers is incorporated herein by reference to <I>&ldquo;Item I &ndash; Election of Directors&rdquo;</I> in the Proxy
Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Corporate Governance</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Information regarding the Company&rsquo;s
Audit Committee and Audit Committee financial expert is incorporated herein by reference to the section captioned <I>&ldquo;Corporate
Governance and Board Matters &#9472; Committees of the Board of Directors &ndash; Audit Committee&rdquo;</I> in the Proxy Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Compliance with Section 16(a) of the
Exchange Act</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Information regarding compliance with
Section 16(a) of the Exchange Act is incorporated by reference to section captioned <I>&ldquo;Other Information Relating to Directors
and Executive Officers &ndash; Section 16(a) Beneficial Ownership Reporting Compliance&rdquo; </I>in the Proxy Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Disclosure of Code of Ethics</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Kentucky First has adopted a Code of Ethics
and Business Conduct that applies to all of its directors, officers and employees. To obtain a copy of this document at no charge,
please write to Kentucky First Federal Bancorp, P.O. Box 535, Frankfort, Kentucky 40602-0535, or call toll-free (888) 818-3372
and ask for Investor Relations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_019"></A><B><U>Item 11.</U></B><U>&nbsp;&nbsp;<B>Executive
Compensation.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The information contained under the section
captioned &ldquo;<I>Executive Compensation</I>&rdquo; in the Proxy Statement is incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_020"></A><B><U>Item 12.</U></B><U>&nbsp;&nbsp;<B>Security
Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(a)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Security Ownership
    of Certain Beneficial Owners. </B>Information required by this item is incorporated herein by reference to the section captioned
    &ldquo;<I>Stock Ownership</I>&rdquo; in the Proxy Statement.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(b)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Security Ownership
    of Management. </B>Information required by this item is incorporated herein by reference to the section captioned &ldquo;<I>Stock
    Ownership</I>&rdquo; in the Proxy Statement.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(c)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Changes in Control.
    </B>Management of the Company knows of no arrangements, including any pledge by any person of securities of the Company, the
    operation of which may at a subsequent date result in a change in control of the Company.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(d)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Equity Compensation
    Plans. </B>The following table sets forth certain information with respect to the Company&rsquo;s equity compensation plans
    as of June 30, 2020.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(a)<BR>
    Number of<BR>
    securities<BR>
    to<BR>
    be issued<BR>
    upon<BR>
    exercise of<BR>
    outstanding options,<BR>
    warrants<BR>
    and rights</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(b)<BR>
    Weighted-<BR>
    average <BR>
    exercise<BR>
    price of<BR>
    outstanding<BR>
    options,<BR>
    warrants <BR>
    and rights</B></FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(c)<BR>
    Number of<BR>
    securities<BR>
    remaining<BR>
    available <BR>
    for future<BR>
    issuance<BR>
    under equity<BR>
    compensation<BR>
    plans<BR>
    (excluding<BR>
    securities<BR>
    reflected in<BR>
    column (a))</B></FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="width: 64%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Equity
    compensation plans approved by security holders</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: white">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Equity compensation
    plans not approved by security holders</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 9pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double">&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double">&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double">&nbsp;</TD>
    <TD STYLE="border-bottom: black 4.5pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_021"></A><B><U>Item 13.</U></B><U>&nbsp;&nbsp;<B>Certain
Relationships and Related Transactions, and Director Independence.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Certain Relationships and Related Transactions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The information required by this item
is incorporated herein by reference to the section captioned &ldquo;<I>Other Information Relating to Directors and Executive Officers
</I>&ndash; <I>Transactions with Related Persons</I>&rdquo; in the Proxy Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Corporate Governance</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">For information regarding director independence,
the section captioned, <I>&ldquo;Corporate Governance and Board Matters &ndash; Director Independence&rdquo;</I> is incorporated
herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_022"></A><B><U>Item 14. Principal Accountant Fees
and Services.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The information required by this item
is incorporated herein by reference to the section captioned <I>&ldquo;Audit Related Matters&rdquo; </I>in the Proxy Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="a_023"></A><B>PART IV</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_024"></A><B><U>Item 15.</U></B><U>&nbsp;&nbsp;<B>Exhibits
and Financial Statement Schedules.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(a) <U>List of Documents Filed as Part
of This Report</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 24px; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 24px; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1)</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B><I><U>Financial
    Statements</U></I>.</B> The following consolidated financial statements are incorporated by reference from Item 8 hereof (see
    Exhibit 13):</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Report
of Independent Registered Public Accounting Firm</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Consolidated
Balance Sheets as of June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Consolidated
Statements of Income for the Years Ended June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Consolidated
Statements of Comprehensive Income for the Years Ended June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Consolidated
Statements of Changes in Shareholders&rsquo; Equity for the Years Ended June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Consolidated
Statements of Cash Flows for the Years Ended June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Notes
to Consolidated Financial Statements</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 24px; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 24px; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(2)</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B><I><U>Financial
    Statement Schedules</U>.</I></B> All schedules for which provision is made in the applicable accounting regulations of the
    Securities and Exchange Commission are omitted because of the absence of conditions under which they are required or because
    the required information is included in the consolidated financial statements and related notes thereto.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 24px; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 24px; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(3)</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B><I><U>Exhibits</U></I>.
    </B>The following is a list of exhibits filed as part of this Annual Report on Form 10-K and is also the Exhibit Index.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>No.</B></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; width: 90%; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>Description</B></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">3.1<SUP>1</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000095014404009148/g90780exv3w1.txt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Charter of Kentucky First Federal Bancorp</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">3.2<SUP>2</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000114420412053579/v323904_ex3-2.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Amended and Restated Bylaws of Kentucky First Federal Bancorp</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">3.3<SUP>3</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000121390017009166/f8k082417ex3-1_kentuckyfirst.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Amendment No. 1 to the Bylaws of Kentucky First Federal Bancorp</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">3.4<SUP>4</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="https://www.sec.gov/Archives/edgar/data/1297341/000121390020028555/ea127419ex3-1_kentucky.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Amendment No. 2 to the Bylaws of Kentucky First Federal Bancorp</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">4.1<SUP>1</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000095014404009148/g90780exv4w1.txt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Specimen Stock Certificate of Kentucky First Federal Bancorp</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">4.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="f10k2020ex4-2_kentucky.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Description of Kentucky First Federal Bancorp&rsquo;s Common Stock Registered Under Section 12 of the Securities and Exchange Act of 1934</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.1<SUP>5</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000114420409009111/v140162_ex10-3.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Employment Agreement between Kentucky First Federal Bancorp and Don D. Jennings, as amended&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.2<SUP>5</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000114420409009111/v140162_ex10-4.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Employment Agreement between First Federal Savings Bank of Kentucky and Don D. Jennings, as amended&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.3<SUP>5</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000114420409009111/v140162_ex10-5.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Employment Agreement between Kentucky First Federal Bancorp and R. Clay Hulette, as amended&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.4<SUP>5</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000114420409009111/v140162_ex10-6.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Employment Agreement between First Federal Savings Bank of Kentucky and R. Clay Hulette, as amended&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.5<SUP>5</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000114420409009111/v140162_ex10-7.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Employment Agreement between First Federal Savings Bank of Kentucky and Teresa Kuhl, as amended&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.6<SUP>5</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000114420409009111/v140162_ex10-8.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Amended and Restated First Federal Savings and Loan Association of Hazard Change in Control Severance Compensation Plan&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.7<SUP>5</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000114420409009111/v140162_ex10-9.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Amended and Restated First Federal Savings Bank of Kentucky Change in Control Severance Compensation Plan&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.8<SUP>5</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000114420409009111/v140162_ex10-10.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Amended and Restated First Federal Savings and Loan Association Supplemental Executive Retirement Plan&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.9<SUP>6</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000090965405001958/kentuckyaddproxoct-05.txt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Kentucky First Federal Bancorp 2005 Equity Incentive Plan&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.10<SUP>7</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000090965405002387/kentuckyfirstexb102.txt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Form of Restricted Stock Award Agreement&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.11<SUP>7</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000090965405002387/kentuckyfirstexb103.txt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Form of Incentive Stock Option Award Agreement&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.12<SUP>7</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000090965405002387/kentuckyfirstexb104.txt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Form of Non-Statutory Option Award Agreement&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.13<SUP>8</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000114420413010524/v333105_ex10-1.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Employment Agreement by and between Kentucky First Federal Bancorp and William H. Johnson&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.14<SUP>8</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="http://www.sec.gov/Archives/edgar/data/1297341/000114420413010524/v333105_ex10-2.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Employment Agreement by and between First Federal Savings Bank of Kentucky and William H. Johnson&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">10.15</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="f10k2020ex10-15_kentucky.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employment Agreement by and between First Federal Savings and Loan of Hazard and Jamie S. Coffey&dagger;</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">13</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="f10k2020ex13_kentucky.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Annual Report to Stockholders for the Fiscal Year Ended June 30, 2020</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">21</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="f10k2020ex21_kentucky.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Subsidiaries</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">23.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="f10k2020ex23-1_kentucky.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Consent of BKD, LLP</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">31.1</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="f10k2020ex31-1_kentucky.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Rule 13a-14(a) Certification of Chief Executive Officer</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">31.2</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="f10k2020ex31-2_kentucky.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Rule 13a-14(a) Certification of Chief Financial Officer</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">32</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><A HREF="f10k2020ex32_kentucky.htm"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Section 1350 Certifications</FONT></A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">101</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">The
    following materials from the Company&rsquo;s Annual Report on Form 10-K for the year ended June 30, 2020, formatted in XBRL
    (eXtensible Business Reporting Language): (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Income,
    (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Changes in Shareholders&rsquo;
    Equity, (v) the Consolidated Statements of Cash Flows and the (vi) Notes to Consolidated Financial Statements.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 0.25in; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&dagger;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Management contract
    or compensation plan or arrangement.</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Incorporated herein
    by reference to the Company&rsquo;s Registration Statement on Form S-1 (File No. 333-119041).</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>(2)</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Incorporated herein
    by reference to the Company&rsquo;s Annual Report on Form 10-K for the Year Ended June 30, 2012 (File No. 0-51176).</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>(3)</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Incorporated herein
    by reference to the Company&rsquo;s Form 8-K filed on August 25, 2017 (File No. 000-51176).</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>(4)</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Incorporated herein
    by reference to the Company&rsquo;s Form 8-K filed on September 28, 2020 (File No. 000-51176).</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>(5)</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Incorporated herein
    by reference to the Company&rsquo;s Quarterly Report on Form 10-Q for the quarter ended December 31, 2008 (File No. 0-51176).</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>(6)</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Incorporated herein
    by reference to the Company&rsquo;s definitive additional proxy solicitation materials filed with the Securities and Exchange
    Commission on October 24, 2005.</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>(7)</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Incorporated herein
    by reference to the Company&rsquo;s Registration Statement on Form S-8 (File No. 333-130243).</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>(8)</SUP></FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Incorporated herein
    by reference to the Company&rsquo;s Quarterly Report on Form 10-Q for the quarter ended December 31, 2012 (File No. 0-51176).</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(b)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Exhibits</U>.
    </B>The exhibits required by Item 601 of Regulation S-K are either filed as part of this Annual Report on Form 10-K or incorporated
    by reference herein.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 24px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(c)</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Financial
    Statements and Schedules Excluded from Annual Report</U>.</B> There are no other financial statements and financial statement
    schedules which were excluded from the Annual Report to Stockholders pursuant to Rule 14a-3(b) which are required to be included
    herein.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="a_025"></A><B><U>Item 16.</U></B><U>&nbsp;&nbsp;<B>Form
10-K Summary.</B></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="a_026"></A><B>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Pursuant to the requirements of Section
13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
    FIRST FEDERAL BANCORP</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 4%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 36%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 28, 2020</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Don D. Jennings</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Don D. Jennings</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief Executive
    Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Pursuant to the requirements of the Securities
Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities
and on the dates indicated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%; border-bottom: black 1.5pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Don D. Jennings</FONT></TD>
    <TD STYLE="width: 20%">&nbsp;</TD>
    <TD STYLE="width: 40%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September
    28, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Don D. Jennings</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief Executive
    Officer and Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Principal Executive
    Officer)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    R. Clay Hulette</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 28, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">R. Clay Hulette</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Vice President, Chief Financial Officer and
    Treasurer</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Principal Financial
    and Accounting Officer)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Tony D. Whitaker</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 28, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tony D. Whitaker</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chairman of the
    Board</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Stephen G. Barker</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 28, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stephen G. Barker</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Walter G. Ecton, Jr.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 28, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Walter G. Ecton,
    Jr.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    William D. Gorman, Jr.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 28, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">William D. Gorman,
    Jr.</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    David R. Harrod</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 28, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">David R. Harrod</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1.5pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    William H. Johnson</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 28, 2020</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">William H. Johnson</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;&nbsp;</B><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">36</P>

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<DOCUMENT>
<TYPE>EX-4.2
<SEQUENCE>2
<FILENAME>f10k2020ex4-2_kentucky.htm
<DESCRIPTION>DESCRIPTION OF KENTUCKY FIRST FEDERAL BANCORP'S COMMON STOCK REGISTERED UNDER SECTION 12 OF THE SECURITIES AND EXCHANGE ACT OF 1934
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 4.2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Description
of Kentucky First Federal Bancorp&rsquo;s Common Stock</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Registered
Under Section 12 of the Securities Exchange Act of 1934</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>General</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Kentucky First Federal
Bancorp (the &ldquo;Company&rdquo;) is incorporated under the laws of the United States of America.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This exhibit describes
the general terms of our common stock. This is a summary and does not purport to be complete. Our charter and bylaws as they exist
on the date of this Annual Report on Form 10-K are incorporated by reference or filed as an exhibit to the Annual Report on Form
10-K of which this exhibit is a part, and amendments or restatements of each will be filed with the Securities and Exchange Commission
(the &ldquo;SEC&rdquo;) in future periodic or current reports in accordance with the rules of the SEC. You are encouraged to read
these documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For more detailed information
about the rights of our common stock, you should refer to our charter and bylaws as well as the regulations promulgated by the
Board of Governors of the Federal Reserve System (&ldquo;FRB&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Authorized Capital Stock </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Company is authorized
to issue 20,000,000 shares of common stock having a par value of $0.01 per share and 5,000,000 shares of preferred stock having
a par value of $0.01 per share. Each share of the Company&rsquo;s common stock has the same relative rights as, and is identical
in all respects with, each other share of common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Company&rsquo;s
common stock is currently listed for quotation on the NASDAQ Stock Market LLC under the ticker symbol &ldquo;KFFB.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Dividends Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Company can pay dividends, if, and when
declared by its board of directors. The payment of dividends by the Company is limited by law and applicable regulation. The holders
of common stock of the Company are entitled to receive and share equally in dividends declared by the board of directors of the
Company. If the Company issues preferred stock, the holders of the preferred stock may have a priority over the holders of the
common stock with respect to dividends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Voting Rights </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Because there are no
issued and outstanding shares of the Company&rsquo;s preferred stock, the holders of the Company&rsquo;s common stock have exclusive
voting rights in the Company. They elect the Company&rsquo;s board of directors and act on other matters as are required to be
presented to them under federal law or as are otherwise presented to them by the board of directors. Generally, each holder of
Company common stock is entitled to one vote per share and will not have any right to cumulate votes in the election of directors.
If the Company issues shares of Company preferred stock, holders of the Company&rsquo;s preferred stock may also possess voting
rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Liquidation Rights </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If there is any liquidation,
dissolution or winding up of First Federal of Hazard or First Federal of Frankfort, the Company as the holder of First Federal
of Hazard&rsquo;s and First Federal of Frankfort&rsquo;s capital stock, we would be entitled to receive all of First Federal of
Hazard&rsquo;s and First Federal of Frankfort&rsquo;s assets available for distribution after payment of provision for payment
of all debts and liabilities of First Federal of Hazard and First Federal of Frankfort, including all deposit accounts and accrued
interest. Upon liquidation, dissolution or winding up of Kentucky First Federal Bancorp, the holders of its common stock would
be entitled to receive all of the assets of the Company available for distribution after payment or provision for payment of all
its debts and liabilities. If the Company issues preferred stock, the preferred stock holders may have a priority over the holders
of the common stock upon liquidation or dissolution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Preemptive Rights; Redemption</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Holders of the common
stock of the Company are not be entitled to preemptive rights and the Company&rsquo;s common stock is not subject to any mandatory
redemption or other similar provisions. The common stock cannot be redeemed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Mutual Holding Company Structure</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First
Federal MHC owns a majority of the outstanding common stock of the Company and, through its board of directors, is able to exercise
voting control over virtually all matters put to a vote of stockholders.&nbsp;&nbsp;For example, First Federal MHC may exercise
its voting control to prevent a sale or merger transaction or to defeat a stockholder nominee for election to the board of directors
of the Company.&nbsp;&nbsp;It will not be possible for another entity to acquire Kentucky First Federal Bancorp without the consent
of First Federal MHC.&nbsp;&nbsp;First Federal MHC as long as it remains in the mutual form of organization, will control a majority
of the voting stock of Kentucky First Federal Bancorp.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Conversion of First Federal MHC to Stock
Form</B> Federal Reserve Board regulations permit First Federal MHC to convert from the mutual form of organization to the capital
stock form of organization. In a conversion transaction, a new holding company would be formed as successor to First Federal MHC,
its corporate existence would end, and certain depositors would receive the right to subscribe for additional shares of the new
holding company. In a conversion transaction, each share of common stock held by stockholders of the Company other than First Federal
MHC would be automatically converted into a number of shares of common stock of the new holding company based on an exchange ratio
determined at the time of conversion that ensures that stockholders other than First Federal MHC own the same percentage of common
stock in the new holding company as they owned in the Company immediately before conversion. Under Federal Reserve Board regulations,
stockholders other than First Federal MHC would not be diluted because of any dividends waived by First Federal MHC (and waived
dividends would not be considered in determining an appropriate exchange ratio, provided that the mutual holding company involved
was formed, engaged in a minority offering and waived dividends prior to December 1, 2009), in the event First Federal MHC converts
to stock form. First Federal MHC was formed, engaged in a minority stock offering and waived dividends prior to December 1, 2009.
The total number of shares held by stockholders other than First Federal MHC after a conversion transaction also would be increased
by any purchases by stockholders other than First Federal MHC in the stock offering conducted as part of the conversion transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Acquisition of Control</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Under the federal Change in Bank Control Act, a notice must be submitted to the Federal
Reserve Board if any person (including a company), or group acting in concert, seeks to acquire &ldquo;control&rdquo; of a savings
and loan holding company or savings association. An acquisition of &ldquo;control&rdquo; can occur upon the acquisition of 10%
or more of the voting stock of a savings and loan holding company or savings institution or as otherwise defined by the Federal
Reserve Board. Under the Change in Bank Control Act, the Federal Reserve Board has 60 days from the filing of a complete notice
to act, taking into consideration certain factors, including the financial and managerial resources of the acquirer and the anti-trust
effects of the acquisition. Any company that so acquires control would then be subject to regulation as a savings and loan holding
company.</P>

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<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-10.15
<SEQUENCE>3
<FILENAME>f10k2020ex10-15_kentucky.htm
<DESCRIPTION>EMPLOYMENT AGREEMENT BY AND BETWEEN FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF HAZARD AND JAMIE S. COFFEY
<TEXT>
<HTML>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT 10.15</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>EMPLOYMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>THIS AGREEMENT</B>
(the &ldquo;Agreement&rdquo;), made this 28th day of August, 2020, by and between <B>FIRST FEDERAL SAVINGS AND LOAN OF HAZARD,
</B>a federally chartered savings institution (the &ldquo;Bank&rdquo;), and <B>Jaime S. Coffey</B> (the &ldquo;Executive&rdquo;).
References to the Company herein shall mean Kentucky First Federal Bancorp, a federally chartered corporation and the holding company
of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS, </B>Executive
serves the Bank in a position of substantial responsibility;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS, </B>the
Bank wishes to assure the services of Executive for the period provided in this Agreement; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS, </B>Executive
is willing to serve in the employ of the Bank on a full-time basis for said period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW, THEREFORE,
</B>in consideration of the mutual covenants herein contained, and upon the other terms and conditions hereinafter provided, the
parties hereby agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>1. <U>Employment</U>.
</B> Executive is employed as President and CEO of the Bank. Executive shall perform all duties and shall have all powers which
are commonly incident to those offices. During the term of this Agreement, Executive also agrees to serve, if elected, as an officer
and/or director of any subsidiary of the Bank and in such capacity will carry out such duties and responsibilities as are reasonably
appropriate to that office.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>2. <U>Location
and Facilities</U>.</B> Executive will be furnished with the working facilities and staff customary for executive officers with
the title and duties set forth in Section 1 and as are necessary for her to perform her duties. The location of such facilities
and staff shall be at the principal administrative offices of the Bank, or at such other site or sites customary for such offices.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>3. <U>Term</U>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">The term of this Agreement shall be (i) the initial term, consisting of the period commencing on
the date of this Agreement (the &ldquo;Effective Date&rdquo;) and ending on the third anniversary of the Effective Date, plus (ii)
any and all extensions of the initial term made pursuant to this Section 3.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify">Commencing on the first year anniversary date of this Agreement, and continuing on each anniversary
thereafter, the disinterested members of the boards of directors of the Bank may extend the Agreement for an additional one-year
period beyond the then effective expiration date, unless Executive elects not to extend the term of this Agreement by giving written
notice in accordance with Section 19 of this Agreement. The Board of Directors of the Bank (the &ldquo;Board&rdquo;) will review
Executive&rsquo;s performance annually for purposes of determining whether to extend the Agreement and the rationale and results
thereof shall be included in the minutes of the Board&rsquo;s meeting. The Board shall give notice to Executive as soon as possible
after such review as to whether the Agreement is to be extended.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4. <U>Base
Compensation</U>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">The Bank agrees to pay Executive during the term of this Agreement a base salary at the rate of
<B>$80,000</B> per year, payable in accordance with customary payroll practices.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify">The Board shall review annually the rate of Executive&rsquo;s base salary based upon factors they
deem relevant, and may maintain or increase her salary, provided that no such action shall reduce the rate of salary below the
rate in effect on the Effective Date.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify">In the absence of action by the Board, Executive shall continue to receive salary at the annual
rate specified on the Effective Date or, if another rate has been established under the provisions of this Section 4, the rate
last properly established by action of the Board under the provisions of this Section 4.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5. <U>Bonuses</U>.</B>
Executive shall be entitled to participate in discretionary bonuses or other incentive compensation programs that the Bank may
award from time to time to senior management employees pursuant to bonus plans or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>6. <U>Benefit
Plans</U>.</B> Executive shall be entitled to participate in such life insurance, medical, dental, pension, profit sharing, retirement
and stock-based compensation plans and other programs and arrangements as may be approved from time to time by the Bank for the
benefit of its employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7. <U>Vacation
and Leave</U>. </B>At such reasonable times as the Board shall in its discretion permit, Executive shall be entitled, without loss
of pay, to absent herself voluntarily from the performance of her employment under this Agreement, all such voluntary absences
to count as vacation time, provided that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">Executive shall be entitled to an annual vacation in accordance with the policies that the Board
periodically establishes for senior management employees.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify">Executive shall accumulate any unused vacation and/or sick leave from one fiscal year to the next,
in either case to the extent authorized by the Board, provided that the Board shall not reduce previously accumulated vacation
or sick leave.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify">In addition to the above mentioned paid vacations, Executive shall be entitled, without loss of
pay, to absent herself voluntarily from the performance of her employment for such additional periods of time and for such valid
and legitimate reasons as the Board may in its discretion determine. Further, the Board may grant Executive a leave or leaves or
absence, with or without pay, at such time or times and upon such terms and conditions as the Board in its discretion may determine.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>8. <U>Expense
Payments and Reimbursements</U>. </B>Executive shall be reimbursed for all reasonable out-of-pocket business expenses that she
shall incur in connection with her services under this Agreement upon substantiation of such expenses in accordance with applicable
policies of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>9. <U>Automobile
Allowance</U></B>. During the term of this Agreement, Executive may be entitled to an automobile allowance. In the event such automobile
allowance is provided by the Bank, Executive shall comply with reasonable reporting and expense limitations on the use of such
automobile as may be established by the Bank from time to time, and the Bank shall annually include on Executive&rsquo;s Form W-2
any amount of income attributable to Executive&rsquo;s personal use of such automobile.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10. <U>Loyalty
and Confidentiality</U>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">During the term of this Agreement and except for illnesses, reasonable vacation periods, and reasonable
leaves of absence, Executive: (i) shall devote her full business time, attention, skill, and efforts to the faithful performance
of her duties hereunder; provided, however, that from time to time, Executive may serve on the boards of directors of, and hold
any other offices or positions in, companies or organizations which will not present any conflict of interest with the Bank or
any of their subsidiaries or affiliates or unfavorably affect the performance of Executive&rsquo;s duties pursuant to this Agreement,
or violate any applicable statute or regulation and (ii) shall not engage in any business or activity contrary to the business
affairs or interests of the Bank. &ldquo;Full business time&rdquo; is hereby defined as that amount of time usually devoted to
like companies and institutions by similarly situated executive officers.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify">Nothing contained in this Agreement shall prevent or limit Executive&rsquo;s right to invest in
the capital stock or other securities of any business dissimilar from that of the Bank, or, solely as a passive, minority investor,
in any business.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify">Executive agrees to maintain the confidentiality of any and all information concerning the operation
or financial status of the Bank; the names or addresses of any of its borrowers, depositors and other customers; any information
concerning or obtained from such customers; and any other information concerning the Bank to which she may be exposed during the
course of her employment. Executive further agrees that, unless required by law or specifically permitted by the Board in writing,
she will not disclose to any person or entity, either during or subsequent to her employment, any of the above-mentioned information
which is not generally known to the public, nor shall she employ such information in any way other than for the benefit of the
Bank.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>11. <U>Termination
and Termination Pay</U>. </B>Subject to Section 12 of this Agreement, Executive&rsquo;s employment under this Agreement may be
terminated in the following circumstances:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify"><U>Death</U>. Executive&rsquo;s employment under this Agreement shall terminate upon her death
during the term of this Agreement, in which event Executive&rsquo;s estate shall be entitled to receive the compensation due to
Executive through the last day of the calendar month in which her death occurred.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify"><U>Retirement</U>. This Agreement shall be terminated upon Executive&rsquo;s retirement under the
retirement benefit plan or plans in which she participates pursuant to Section 6 of this Agreement or otherwise.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left">c.</TD><TD STYLE="text-align: justify"><U>Disability</U>.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">i.</TD><TD STYLE="text-align: justify">The Board or Executive may terminate Executive&rsquo;s employment after having determined Executive
has a Disability. For purposes of this Agreement, &ldquo;Disability&rdquo; means a physical or mental infirmity that impairs Executive&rsquo;s
ability to substantially perform her duties under this Agreement and that results in Executive becoming eligible for long-term
disability benefits under any long-term disability plans of the Bank (or, if there are no such plans in effect, that impairs Executive&rsquo;s
ability to substantially perform her duties under this Agreement for a period of one hundred eighty (180) consecutive days). The
Board shall determine whether or not Executive is and continues to be permanently disabled for purposes of this Agreement in good
faith, based upon competent medical advice and other factors that they reasonably believe to be relevant. As a condition to any
benefits, the Board may require Executive to submit to such physical or mental evaluations and tests as it deems reasonably appropriate.</TD></TR></TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">ii.</TD><TD STYLE="text-align: justify">In the event of such Disability, Executive shall be entitled to the compensation and benefits provided
for under this Agreement for (1) any period during the term of this Agreement and prior to the establishment of Executive&rsquo;s
Disability during which Executive is unable to work due to the physical or mental infirmity, and (2) any period of Disability which
is prior to Executive&rsquo;s termination of employment pursuant to this Section 11c.; provided, however, that any benefits paid
pursuant to the Bank&rsquo;s long-term disability plan will continue as provided in such plan <I>without </I>reduction for payments
made pursuant to this Agreement. During any period that Executive receives disability benefits and to the extent that Executive
shall be physically and mentally able to do so, she shall furnish such information, assistance and documents so as to assist in
the continued ongoing business of the Bank and, if able, she shall make herself available to the Bank to undertake reasonable assignments
consistent with her prior position and her physical and mental health. The Bank shall pay all reasonable expenses incident to the
performance of any assignment given to Executive during the Disability period.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0in">d. <U>Termination
for Cause</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">i.</TD><TD STYLE="text-align: justify">The Board may, by written notice to Executive in the form and manner specified in this paragraph,
immediately terminate her employment at any time, for &ldquo;Cause.&rdquo; Executive shall have no right to receive compensation
or other benefits for any period after termination for Cause except for vested benefits. Termination for Cause shall mean termination
because of, in the good faith determination of the Board, Executive&rsquo;s:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD STYLE="text-align: justify">Personal dishonesty;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(2)</TD><TD STYLE="text-align: justify">Incompetence;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(3)</TD><TD STYLE="text-align: justify">Willful misconduct;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(4)</TD><TD STYLE="text-align: justify">Breach of fiduciary duty involving personal profit;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(5)</TD><TD STYLE="text-align: justify">Intentional failure to perform stated duties under this Agreement;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(6)</TD><TD STYLE="text-align: justify">Willful violation of any law, rule or regulation (other than traffic violations or similar offenses)
that reflects adversely on the reputation of the Bank, any felony conviction, any violation of law involving moral turpitude, or
any violation of a final cease-and-desist order; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(7)</TD><TD STYLE="text-align: justify">Material breach by Executive of any provision of this Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">ii.</TD><TD STYLE="text-align: justify">Notwithstanding the foregoing, Executive shall not be deemed to have been terminated for Cause
unless there shall have been delivered to Executive a copy of a resolution duly adopted by the affirmative vote of a majority of
the entire membership of the Board at a meeting of such Board called and held for the purpose (after reasonable notice to Executive
and an opportunity for Executive to be heard before the Board with counsel), of finding that, in the good faith opinion of the
Board, Executive was guilty of the conduct described above and specifying the particulars thereof.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">e.</TD><TD STYLE="text-align: justify"><U>Voluntary Termination by Executive</U>. In addition to her other rights to terminate under this
Agreement, Executive may voluntarily terminate employment during the term of this Agreement upon at least ninety (90) days&rsquo;
prior written notice to the Board, in which case Executive shall receive only her compensation, vested rights and employee benefits
up to the date of her termination.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left">f.</TD><TD STYLE="text-align: justify"><U>Without Cause or With Good Reason</U>.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">i.</TD><TD STYLE="text-align: justify">In addition to termination pursuant to Sections 11a. through 11e., the Board may, by written notice
to Executive, immediately terminate her employment at any time for a reason other than Cause (a termination &ldquo;Without Cause&rdquo;)
and Executive may, by written notice to the Board, immediately terminate this Agreement at any time within ninety (90) days following
an event constituting &ldquo;Good Reason,&rdquo; as defined below (a termination &ldquo;With Good Reason&rdquo;).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">ii.</TD><TD STYLE="text-align: justify">Subject to Section 12 of this Agreement, in the event of termination under this Section 11f., Executive
shall be entitled to receive her base salary for the remaining term of the Agreement paid in one lump sum within ten (10) calendar
days of such termination. Also, in such event, Executive shall, for the remaining term of the Agreement, receive the benefits she
would have received during the remaining term of the Agreement under any retirement programs (whether tax-qualified or non-qualified)
in which Executive participated prior to her termination (with the amount of the benefits determined by reference to the benefits
received by Executive or accrued on her behalf under such programs during the twelve (12) months preceding her termination) and
continue to participate in any benefit plans of the Bank that provide health (including medical and dental), life or disability
insurance, or similar coverage, upon terms no less favorable than the most favorable terms provided to senior executives of the
Bank during such period. In the event that the Bank is unable to provide such coverage by reason of Executive no longer being an
employee, the Bank shall provide Executive with comparable coverage on an individual policy basis.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">iii.</TD><TD STYLE="text-align: justify">&ldquo;Good Reason&rdquo; shall exist if, without Executive&rsquo;s express written consent, the
Bank materially breach any of their respective obligations under this Agreement. Without limitation, such a material breach shall
be deemed to occur upon any of the following:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(1)</TD><TD STYLE="text-align: justify">A material reduction in Executive&rsquo;s responsibilities or authority in connection with her
employment with the Bank;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(2)</TD><TD STYLE="text-align: justify">Assignment to Executive of duties of a non-executive nature or duties for which she is not reasonably
equipped by her skills and experience;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(3)</TD><TD STYLE="text-align: justify">A reduction in salary or benefits contrary to the terms of this Agreement, or, following a Change
in Control as defined in Section 12 of this Agreement, any reduction in salary or material reduction in benefits below the amounts
to which Executive was entitled prior to the Change in Control;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(4)</TD><TD STYLE="text-align: justify">Termination of incentive and benefit plans, programs or arrangements, or reduction of Executive&rsquo;s
participation to such an extent as to materially reduce their aggregate value below their aggregate value as of the Effective Date;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.25in">(5)</TD><TD STYLE="text-align: justify">A requirement that Executive relocate her principal business office or her principal place of residence
outside of the area consisting of a thirty (30) mile radius from the current main office and any branch of the Bank, or the assignment
to Executive of duties that would reasonably require such a relocation; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">(6) Liquidation
or dissolution of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">iv.</TD><TD STYLE="text-align: justify">Notwithstanding the foregoing, a reduction or elimination of Executive&rsquo;s benefits under one
or more benefit plans maintained by the Bank as part of a good faith, overall reduction or elimination of such plans or benefits
thereunder applicable to all participants in a manner that does not discriminate against Executive (except as such discrimination
may be necessary to comply with law) shall not constitute an event of Good Reason or a material breach of this Agreement, provided
that benefits of the type or to the general extent as those offered under such plans prior to such reduction or elimination are
not available to other officers of the Bank or any company that controls either of them under a plan or plans in or under which
Executive is not entitled to participate.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">g.</TD><TD STYLE="text-align: justify"><U>Continuing Covenant Not to Compete or Interfere with Relationships</U>. Regardless of anything
herein to the contrary, following a termination by the Bank or Executive pursuant to Section 11f.:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">i.</TD><TD STYLE="text-align: justify">Executive&rsquo;s obligations under Section 10c. of this Agreement will continue in effect; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">ii.</TD><TD STYLE="text-align: justify">During the period ending on the first anniversary of such termination, Executive shall not serve
as an officer, director or employee of any bank holding company, bank, savings bank, savings and loan holding company, or mortgage
company (any of which shall be a &ldquo;Financial Institution&rdquo;) which Financial Institution offers products or services competing
with those offered by the Bank from any office within fifty (50) miles from the main office or any branch of the Bank and shall
not interfere with the relationship of the Bank and any of its employees, agents, or representatives.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>12. <U>Termination
in Connection with a Change in Control</U>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">For purposes of this Agreement, a &ldquo;Change in Control&rdquo; means any of the following events
with respect to the Bank or Kentucky First Federal Bancorp, Inc. (the &ldquo;Company&rdquo;):</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">i.</TD><TD STYLE="text-align: justify"><U>Merger</U>: The Company merges into or consolidates with another corporation, or merges another
corporation into the Company, and as a result less than a majority of the combined voting power of the resulting corporation immediately
after the merger or consolidation is held by persons who were stockholders of the Company immediately before the merger or consolidation.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in; text-align: left">ii.</TD><TD STYLE="text-align: justify"><U>Acquisition of Significant Share Ownership</U>:
The Company files, or is required to file, a report on Schedule 13D or another form or schedule (other than Schedule 13G) required
under Sections 13(d) or 14(d) of the Securities Exchange Act of 1934, if the schedule discloses that the filing person or persons
acting in concert has or have become the beneficial owner of 25% or more of a class of the Company&rsquo;s voting securities,
but this clause (b) shall not apply to beneficial ownership of Company voting shares held in a fiduciary capacity by an entity
of which the Company directly or indirectly beneficially owns 50% or more of its outstanding voting securities.</TD>
</TR></TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in; text-align: left">iii.</TD><TD STYLE="text-align: justify"><U>Change in Board Composition</U>: During any period
of two consecutive years, individuals who constitute the Company&rsquo;s Board of Directors at the beginning of the two-year period
cease for any reason to constitute at least a majority of the Company&rsquo;s Board of Directors; provided, however, that for
purposes of this clause (iii), each director who is first elected by the Board (or first nominated by the Board for election by
the stockholders) by a vote of at least two-thirds (2/3) of the directors who were directors at the beginning of the two-year
period shall be deemed to have also been a director at the beginning of such period; or</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in">iv.</TD><TD STYLE="text-align: justify"><U>Sale of Assets</U>: The Company sells to a third party all or substantially all of its assets.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">Notwithstanding anything in this
Agreement to the contrary, in no event shall the conversion of the Bank from mutual to stock form constitute a &ldquo;Change in
Control&rdquo; for purposes of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72.05pt; text-align: justify; text-indent: -72.05pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify"><U>Termination</U>. If within the period ending one year after a Change in Control, (i) the Bank
shall terminate Executive&rsquo;s employment Without Cause, or (ii) Executive voluntarily terminates her employment with Good Reason,
the Bank shall, within ten calendar days of the termination of Executive&rsquo;s employment, make a lump-sum cash payment to her
equal to three times Executive&rsquo;s average Annual Compensation over the five (5) most recently completed calendar years ending
with the year immediately preceding the effective date of the Change in Control. In determining Executive&rsquo;s average Annual
Compensation, Annual Compensation shall include base salary and any other taxable income, including, but not limited to, amounts
related to the granting, vesting or exercise of restricted stock or stock option awards, commissions, bonuses (whether paid or
accrued for the applicable period), as well as retirement benefits, director or committee fees and fringe benefits paid or to be
paid to Executive or paid for Executive&rsquo;s benefit during any such year, profit sharing, employee stock ownership plan and
other retirement contributions or benefits, including to any tax-qualified plan or arrangement (whether or not taxable) made or
accrued on behalf of Executive for such years. The cash payment made under this Section 12b. shall be made in lieu of any payment
also required under Section 11f. of this Agreement because of a termination in such period. Executive&rsquo;s rights under Section
11f. are not otherwise affected by this Section 12. Also, in such event, Executive shall, for a thirty-six (36) month period following
her termination of employment, receive the benefits she would have received over such period under any retirement programs (whether
tax-qualified or non-tax-qualified) in which Executive participated prior to her termination (with the amount of the benefits determined
by reference to the benefits received by Executive or accrued on her behalf under such programs during the twelve (12) months preceding
the Change in Control) and continue to participate in any benefit plans of the Bank that provide health (including medical and
dental), life or disability insurance, or similar coverage upon terms no less favorable than the most favorable terms provided
to senior executives during such period. In the event that the Bank is unable to provide such coverage by reason of Executive no
longer being an employee, the Bank shall provide Executive with comparable coverage on an individual policy basis or the cash equivalent.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72.05pt; text-align: justify; text-indent: -72.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72.05pt; text-align: justify; text-indent: -72.05pt"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72.05pt; text-align: justify; text-indent: -72.05pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify">The provisions of Section 12 and Sections 14 through 25, including the defined terms used in such
sections, shall continue in effect until the later of the expiration of this Agreement or one year following a Change in Control.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72.05pt; text-align: justify; text-indent: -36.05pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72.05pt; text-align: justify; text-indent: -36.05pt"><B><U>Indemnification
and Liability Insurance</U>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72.05pt; text-align: justify; text-indent: -72.05pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify"><U>Indemnification</U>. The Bank agrees to indemnify Executive (and her heirs, executors, and administrators),
and to advance expenses related thereto, to the fullest extent permitted under applicable law and regulations against any and all
expenses and liabilities reasonably incurred by her in connection with or arising out of any action, suit, or proceeding in which
she may be involved by reason of her having been a director or Executive of the Bank or any of its subsidiaries (whether or not
she continues to be a director or Executive at the time of incurring any such expenses or liabilities), such expenses and liabilities
to include, but not be limited to, judgments, court costs, and attorneys&rsquo; fees and the costs of reasonable settlements, such
settlements to be approved by the Board, if such action is brought against Executive in her capacity as an Executive or director
of the Bank or any of its subsidiaries. Indemnification for expenses shall not extend to matters for which Executive has been terminated
for Cause. Nothing contained herein shall be deemed to provide indemnification prohibited by applicable law or regulation. Notwithstanding
anything herein to the contrary, the obligations of this Section 13 shall survive the term of this Agreement by a period of six
(6) years.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72.05pt; text-align: justify; text-indent: -72.05pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify"><U>Insurance</U>. During the period in which indemnification of Executive is required under this
Section, the Bank shall provide Executive (and her heirs, executors, and administrators) with coverage under a directors&rsquo;
and officers&rsquo; liability policy at the expense of the Bank, at least equivalent to such coverage provided to directors and
senior executives of the Bank.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>14. <U>Reimbursement
of Executive&rsquo;s Expenses to Enforce this Agreement</U>. </B>The Bank shall reimburse Executive for all out-of-pocket expenses,
including, without limitation, reasonable attorneys&rsquo; fees, incurred by Executive in connection with successful enforcement
by Executive of the obligations of the Bank to Executive under this Agreement. Successful enforcement shall mean the grant of an
award of money or the requirement that the Bank take some action specified by this Agreement: (i) as a result of a court order;
or (ii) otherwise by the Bank following an initial failure of the Bank to pay such money or take such action promptly after written
demand therefor from Executive stating the reason that such money or action was due under this Agreement at or prior to the time
of such demand.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B></B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>15. <U>Limitation
of Benefits under Certain Circumstances</U>. </B>If the payments and benefits pursuant to Section 12 of this Agreement, either
alone or together with other payments and benefits which Executive has the right to receive from the Bank, would constitute a &ldquo;parachute
payment&rdquo; under Section 280G of the Code, the payments and benefits pursuant to Section 12 shall be reduced or revised, in
the manner determined by Executive, by the amount, if any, which is the minimum necessary to result in no portion of the payments
and benefits under Section 12 being non-deductible to the Bank pursuant to Section 280G of the Code and subject to the excise tax
imposed under Section 4999 of the Code. The determination of any reduction in the payments and benefits to be made pursuant to
Section 12 shall be based upon the opinion of the Bank&rsquo;s independent public accountants and paid for by the Bank. In the
event that the Bank and/or Executive do not agree with the opinion of such counsel, (i) the Bank shall pay to Executive the maximum
amount of payments and benefits pursuant to Section 12, as selected by Executive, which such opinion indicates there is a high
probability do not result in any of such payments and benefits being non-deductible to the Bank and subject to the imposition of
the excise tax imposed under Section 4999 of the Code and (ii) the Bank may request, and Executive shall have the right to demand
that they request, a ruling from the IRS as to whether the disputed payments and benefits pursuant to Section 12 have such consequences.
Any such request for a ruling from the IRS shall be promptly prepared and filed by the Bank, but in no event later than thirty
(30) days from the date of the opinion of counsel referred to above, and shall be subject to Executive&rsquo;s approval prior to
filing, which shall not be unreasonably withheld. The Bank and Executive agree to be bound by any ruling received from the IRS
and to make appropriate payments to each other to reflect any such rulings, together with interest at the applicable federal rate
provided for in Section 7872(f)(2) of the Code. Nothing contained herein shall result in a reduction of any payments or benefits
to which Executive may be entitled upon termination of employment other than pursuant to Section 12 hereof, or a reduction in the
payments and benefits specified in Section 12 below zero.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>16. <U>Injunctive
Relief</U>. </B>If there is a breach or threatened breach of Section 11g. of this Agreement or the prohibitions upon disclosure
contained in Section 10c. of this Agreement, the parties agree that there is no adequate remedy at law for such breach, and that
the Bank shall be entitled to injunctive relief restraining Executive from such breach or threatened breach, but such relief shall
not be the exclusive remedy hereunder for such breach. The parties hereto likewise agree that Executive, without limitation, shall
be entitled to injunctive relief to enforce the obligations of the Bank under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36.1pt"><B>17. <U>Successors
and Assigns</U>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">This Agreement shall inure to the benefit of and be binding upon any corporate or other successor
of the Bank which shall acquire, directly or indirectly, by merger, consolidation, purchase or otherwise, all or substantially
all of the assets or stock of the Bank.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify">Since the Bank is contracting for the unique and personal skills of Executive, Executive shall
be precluded from assigning or delegating her rights or duties hereunder without first obtaining the written consent of the Bank.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36.1pt"><B>18. <U>No
Mitigation</U>. </B>Executive shall not be required to mitigate the amount of any payment provided for in this Agreement by seeking
other employment or otherwise and no such payment shall be offset or reduced by the amount of any compensation or benefits provided
to Executive in any subsequent employment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36.1pt"><B>19. <U>Notices</U>.
</B>All notices, requests, demands and other communications in connection with this Agreement shall be made in writing and shall
be deemed to have been given when delivered by hand or 48 hours after mailing at any general or branch United States Post Office,
by registered or certified mail, postage prepaid, addressed to the Bank at their principal business offices and to Executive at
her home address as maintained in the records of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36.1pt"><B>20. <U>No
Plan Created by this Agreement</U>. </B> Executive and the Bank expressly declare and agree that this Agreement was negotiated
among them and that no provision or provisions of this Agreement are intended to, or shall be deemed to, create any plan for purposes
of the Employee Retirement Income Security Act or any other law or regulation, and each party expressly waives any right to assert
the contrary. Any assertion in any judicial or administrative filing, hearing, or process that such a plan was so created by this
Agreement shall be deemed a material breach of this Agreement by the party making such an assertion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36.1pt"><B>21. <U>Amendments</U>.</B>
No amendments or additions to this Agreement shall be binding unless made in writing and signed by all of the parties, except as
herein otherwise specifically provided.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36.1pt"><B>22. <U>Applicable
Law</U>.</B> Except to the extent preempted by federal law, the laws of the Commonwealth of Kentucky shall govern this Agreement
in all respects, whether as to its validity, construction, capacity, performance or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36.1pt"><B>23. <U>Severability</U>.
</B>The provisions of this Agreement shall be deemed severable and the invalidity or unenforceability of any provision shall not
affect the validity or enforceability of the other provisions hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36.1pt"><B>24. <U>Headings</U>.</B>
Headings contained herein are for convenience of reference only.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36.1pt"><B>25. <U>Entire
Agreement</U>.</B> This Agreement, together with any understanding or modifications thereof as agreed to in writing by the parties,
shall constitute the entire agreement among the parties hereto with respect to the subject matter hereof, other than written agreements
with respect to specific plans, programs or arrangements described in Sections 5 and 6.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 36.1pt"><B>26. <U>Required
Provisions</U>. </B>In the event any of the foregoing provisions of this Section 26 are in conflict with the terms of this Agreement,
this Section 26 shall prevail.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36.3pt"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">The Bank may terminate Executive&rsquo;s employment at any time, but any termination by the Bank,
other than termination for Cause, shall not prejudice Executive&rsquo;s right to compensation or other benefits under this Agreement.
Executive shall not have the right to receive compensation or other benefits for any period after termination for Cause as defined
in Section 7 of this Agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36.3pt"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify">If Executive is suspended from office and/or temporarily prohibited from participating in the conduct
of the Bank&rsquo;s affairs by a notice served under Section 8(e)(3) or 8(g)(1) of the Federal Deposit Insurance Act, 12 U.S.C.
Section 1818(e)(3) or (g)(1); the Bank&rsquo;s obligations under this contract shall be suspended as of the date of service, unless
stayed by appropriate proceedings. If the charges in the notice are dismissed, the Bank may, in its discretion: (i) pay Executive
all or part of the compensation withheld while their contract obligations were suspended; and (ii) reinstate (in whole or in part)
any of the obligations which were suspended.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36.3pt"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify">If Executive is removed and/or permanently prohibited from participating in the conduct of the
Bank&rsquo;s affairs by an order issued under Section 8(e)(4) or 8(g)(1) of the Federal Deposit Insurance Act, 12 U.S.C. Section
1818(e)(4) or (g)(1), all obligations of the Bank under this contract shall terminate as of the effective date of the order, but
vested rights of the contracting parties shall not be affected.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36.3pt"></TD><TD STYLE="width: 0.25in">d.</TD><TD STYLE="text-align: justify">If the Bank is in default as defined in Section 3(x)(1) of the Federal Deposit Insurance Act, 12
U.S.C. Section 1813(x)(1), all obligations of the Bank under this contract shall terminate as of the date of default, but this
paragraph shall not affect any vested rights of the contracting parties.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36.3pt"></TD><TD STYLE="width: 0.25in">e.</TD><TD STYLE="text-align: justify">All obligations of the Bank under this contract shall be terminated, except to the extent determined
that continuation of the contract is necessary for the continued operation of the institution: (i) by the Director of the OTS (or
the Director&rsquo;s designee), the FDIC or the Resolution Trust Corporation, at the time the FDIC enters into an agreement to
provide assistance to or on behalf of the Bank under the authority contained in Section 13(c) of the Federal Deposit Insurance
Act, 12 U.S.C. Section 1823(c); or (ii) by the Director of the OTS (or the Director&rsquo;s designee) at the time the Director
(or his designee) approves a supervisory merger to resolve problems related to the operations of the Bank or when the Bank is determined
by the Director to be in an unsafe or unsound condition. Any rights of the parties that have already vested, however, shall not
be affected by such action.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

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<TD STYLE="width: 36.3pt"></TD><TD STYLE="width: 0.25in">f.</TD><TD STYLE="text-align: justify">Any payments made to Executive pursuant to this Agreement, or otherwise, are subject to and conditioned
upon compliance with 12 U.S.C. Section 1828(k) and 12 C.F.R. Section 545.121 and any rules and regulations promulgated thereunder.</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>,
the parties hereto have executed this Agreement on the date first set forth above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>ATTEST:</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify"><B>FIRST FEDERAL SAVINGS &amp; LOAN OF HAZARD</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 35%">&nbsp;</TD>
    <TD STYLE="width: 26%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 35%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1.5pt solid">/s/ Jessica Watts</TD>
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid">/s/ Tony D. Whitaker</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Corporate Secretary</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>For the Entire Board of Directors</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>WITNESS:</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>EXECUTIVE</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1.5pt solid">/s/ Jessica Watts</TD>
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid">/s/ Jaime S. Coffey</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Corporate Secretary</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Jaime S. Coffey</TD></TR>
</TABLE>
<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>&nbsp;</B></P>

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<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">14</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<DOCUMENT>
<TYPE>EX-13
<SEQUENCE>4
<FILENAME>f10k2020ex13_kentucky.htm
<DESCRIPTION>ANNUAL REPORT TO STOCKHOLDERS FOR THE FISCAL YEAR ENDED JUNE 30, 2020
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; margin-top: 0pt; margin-bottom: 0pt"><B>Exhibit 13</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><IMG SRC="image_001.jpg" ALT="">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Parent
company of</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>First
Federal Savings and Loan Association of Hazard</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>and</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>First
Federal Savings Bank of Kentucky</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt"><B><I>2020</I></B></FONT></P>

<P STYLE="font: 16pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 16pt"><B><I>Annual
Report</I></B></FONT></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><IMG SRC="image_002.jpg" ALT=""></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="a_001"></A>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kentucky
First Federal Bancorp (&ldquo;Kentucky First&rdquo; or the &ldquo;Company&rdquo;) was formed under federal law in March 2005 and
is the holding company for First Federal Savings and Loan Association of Hazard, Hazard, Kentucky (&ldquo;First Federal of Hazard&rdquo;)
and First Federal Savings Bank of Kentucky, Frankfort, Kentucky (&ldquo;First Federal of Kentucky&rdquo;) (collectively, the &ldquo;Banks&rdquo;).
Kentucky First&rsquo;s operations consist primarily of operating the Banks as two independent, community-oriented savings institutions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Federal of Hazard is a federally chartered savings and loan association offering traditional financial services to consumers in
Perry and surrounding counties in eastern Kentucky. First Federal of Hazard engages primarily in the business of attracting deposits
from the general public and using such funds to originate, when available, loans secured by first mortgages on owner-occupied,
residential real estate and, occasionally, other loans secured by real estate. To the extent there is insufficient loan demand
in its market area, and where appropriate under its investment policies, First Federal of Hazard has historically invested in
mortgage-backed and other securities, although since formation of the Company in 2005, First Federal of Hazard has been purchasing
whole loans and participations in loans originated at First Federal of Kentucky.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Federal of Kentucky is a federally chartered savings bank which is primarily engaged in the business of attracting deposits from
the general public and the origination primarily of adjustable-rate loans secured by first mortgages on owner-occupied and non-owner-occupied
one-to four-family residences in Franklin, Boyle, Garrard and surrounding counties in Kentucky. First Federal of Kentucky also
originates, to a lesser extent, home equity loans, loans secured by churches, multi-family properties, professional office buildings
and other types of property, as well as consumer loans and commercial and industrial loans.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="a_002"></A>MARKET
INFORMATION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company&rsquo;s common stock began trading under the symbol &ldquo;KFFB&rdquo; on the Nasdaq National Market on March 3, 2005.
There are currently 8,252,215 shares of common stock outstanding and approximately 582 holders of record of the common stock.
Following are the high and low closing prices, by fiscal quarter, as reported on the Nasdaq National Market during the periods
indicated, as well as dividends declared on the common stock during each quarter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; font-weight: bold; border-bottom: Black 1.5pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fiscal
    2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">High</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Low</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Dividends<BR>

    Per Share</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-align: center; text-indent: 0">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; width: 64%; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">First
    quarter</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.12</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6.78</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Second
    quarter</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.15</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Third
    quarter</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.14</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.40</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fourth
    quarter</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7.94</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5.50</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; font-weight: bold; border-bottom: Black 1.5pt solid; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fiscal
    2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">High</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Low</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Dividends<BR>

    Per Share</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; font-weight: bold; text-indent: 0">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; width: 64%; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">First
    quarter</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.70</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7.40</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Second
    quarter</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.25</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6.52</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Third
    quarter</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.45</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6.82</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fourth
    quarter</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.27</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7.20</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>TABLE
OF CONTENTS</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B>&nbsp;</FONT></P>

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    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 92%; text-align: left"><A HREF="#a_001"><FONT STYLE="font-family: Times New Roman, Times, Serif">Kentucky First Federal Bancorp</FONT></A></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 8%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">i</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><A HREF="#a_002"><FONT STYLE="font-family: Times New Roman, Times, Serif">Market Information</FONT></A></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">i</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><A HREF="#a_003"><FONT STYLE="font-family: Times New Roman, Times, Serif">Letter to Shareholders</FONT></A></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><A HREF="#a_004"><FONT STYLE="font-family: Times New Roman, Times, Serif">Selected Consolidated Financial and Other Data</FONT></A></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT></TD></TR>
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    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><A HREF="#a_005"><FONT STYLE="font-family: Times New Roman, Times, Serif">Management&rsquo;s Discussion and Analysis of Financial Condition and Results of Operations</FONT></A></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><A HREF="#a_006"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consolidated Financial Statements</FONT></A></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">28</FONT></TD></TR>
</TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A NAME="a_003"></A>Dear
Shareholder:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
are pleased to present the 2020 Annual Report for Kentucky First Federal Bancorp.&nbsp; We encourage you to read both the Annual
Report and Proxy Statement.&nbsp; We encourage you to vote and, if possible, to attend our annual meeting on November 17, 2020.
Although in prior years we have always enjoyed having our annual meeting on the campus of the Hazard Community and Technical College,
the Covid-19 virus pandemic has caused us to change the location of this year&rsquo;s meeting to the main office of First Federal
Savings Bank of Kentucky, 216 West Main Street, Frankfort, KY. If you wish to attend, prior to the meeting we ask that you contact
Secretary lee Ann Hockensmith at 1-888-818-3372 or leeann.hockensmith@ffsbky.bank to discuss the safety protocols we will have
in place for the meeting.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
enclosed report details an unfortunate impact of the shut-down of our country&rsquo;s economy as well as some improvement and
continued growth. Overshadowing our annual results of operations was a charge for goodwill impairment that resulted in part due
to the Covid-19 virus and the resulting sustained lower trading price of our Company&rsquo;s stock. You may recall that when the
Company was formed in 2005, some of the common stock and cash proceeds from the public stock offering were used to purchase Frankfort
First Bancorp, Inc. The purchase transaction resulted in our recording an asset of $14.5 million in goodwill. Accounting rules
require us to annually compare the carrying value of the Company&rsquo;s equity with market value. In the past we have looked
to the trading price of our stock to estimate market value. Unfortunately, like the stock of many other financial institutions,
our stock price fell pursuant to the Covid-19 pandemic and has not recovered like other non-bank stocks have done in the past
few months. Accordingly, after consultation with an independent valuation firm, we took a charge to earnings of $13.6 million
as a write-down of our goodwill. This charge, although it does not involve cash or impact regulatory capital of either the Company
or its banks, was required to be reported on our statement of operations.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Aside
from the goodwill impairment charge, our Company has weathered the pandemic storm quite well and made improvements that will continue
to bear fruit going forward. Our loan portfolio increased by $4.9 million raising our three-year growth level to $27.6 million
or 10.7%. We were able to reduce non-interest expense by freezing our defined-benefit plan-a cost which had severely increased
in recent years and implemented new technology that enables us to deliver bank services more efficiently.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
shareholders, we appreciate the members of First Federal Savings and Loan for their continued support of the dividend waiver.&nbsp;
For the seventh year in a row, they have voted overwhelmingly to allow us to waive the dividend which allows Kentucky First to
pay a competitive dividend.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">I
would like to take this opportunity to congratulate three long-term employees on their retirements. Kathy Johnica retired last
October after work in Danville and Lancaster for 42 years. Kim Moore retired in December after serving for 29 years in Frankfort,
while Stan Betsworth retired in June after 17 years.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Our Company mourns the loss of C. Michael Davenport, a devoted
member of our Board of Directors, who passed from this life in February of this year.&nbsp; In addition to faithfully serving the
Company, Mr. Davenport served for many years on the Board of First Federal MHC, Frankfort First Bancorp, Inc., and First Federal
Savings Bank of Kentucky.&nbsp; He was a successful businessman who had a huge heart and passion for people and animals alike.&nbsp;
We sincerely appreciate the contributions he made to the success of our Company for so many years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Please
keep First Federal in mind for your banking needs in Frankfort, Danville, Lancaster, and Hazard and to recommend us to family
and friends. All of our markets are very competitive and, while we market to offer attractive rates and useful products, often
it is word of mouth or any additional help our shareholders can provide is appreciated.&nbsp; When you bank with us, you help
yourself (and we think enjoy excellent products and services.) Please let us know if there&rsquo;s anything we can do for you.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sincerely,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Don
Jennings</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="a_004"></A>SELECTED
CONSOLIDATED FINANCIAL AND OTHER DATA</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Selected
Financial Condition Data</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="18" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">At
    June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2017</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2016</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="18" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Dollars
    in thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; width: 40%; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">321,136</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">330,771</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">318,394</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">301,489</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">291,871</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cash
    and cash equivalents</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13,702</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,861</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,343</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,804</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13,108</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Time
    deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,229</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,962</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,692</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,201</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,711</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Securities
    held to maturity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">598</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">775</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,002</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,487</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,079</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Securities
    available for sale</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">541</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.045</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">48</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">71</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">134</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans,
    net</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">285,887</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">280,969</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">270,310</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">258,244</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">238,468</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">212,273</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">195,836</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">195,653</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">182,845</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">188,572</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Federal
    Home Loan Bank advances</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">54,715</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,703</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">53,052</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">55,780</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">33,211</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Shareholders&rsquo;
    equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">51,911</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,278</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">67,203</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">67,146</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">67,515</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Allowance
    for loan losses</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,488</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,456</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,576</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,533</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,515</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonperforming
    loans (90 days delinquent and nonaccrual)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7,395</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,028</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7,665</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,810</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7,135</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Selected
Operating Data</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="18" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Year
    Ended June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2017</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2016</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="18" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Dollars
    in thousands, except per share data)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    interest income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,823</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,700</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,886</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,316</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,634</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    interest expense</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,499</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,252</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,161</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,457</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,360</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net interest income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,324</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,448</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,725</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,859</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">10,274</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Provision
    for losses on loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">103</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">185</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">242</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    interest income after provision for losses on loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,221</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,437</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,540</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,617</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">10,259</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total non-interest
    income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">399</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">243</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">691</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">362</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">387</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Goodwill impairment</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13,560</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    non-interest expenses</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,343</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,727</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,945</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,531</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,549</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Loss) income before
    federal income taxes</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(12,283</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">953</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,286</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,448</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,097</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Federal
    income taxes (benefit)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">264</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">141</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(37</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">513</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">596</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    (loss) income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(12,547</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">812</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,323</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">935</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,501</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    (loss) earnings per share &ndash; basic</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1.52</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.16</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.18</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 2.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    (loss) earnings per share &ndash; diluted</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1.52</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.16</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.18</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cash
    dividends declared per common share</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.40</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.40</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.40</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.40</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.40</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Selected
Financial Ratios and Other Data (1)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="18" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Year
    Ended June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2017</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2016</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Performance
    Ratios:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; width: 50%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Return
    on average assets <BR>(net (loss) income divided by average total assets)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(3.80</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.25</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.43</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.31</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.51</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Return
    on average equity <BR>(net (loss) income divided by average equity)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(19.01</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.21</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.97</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.39</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.23</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest
    rate spread <BR>(combined weighted average interest rate earned less <BR>combined weighted average interest rate cost)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.82</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.97</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.28</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.52</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.74</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    interest margin <BR>(net interest income divided by average interest-earning assets)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.05</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.19</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.43</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.63</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.84</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ratio
    of average interest-earning assets to average <BR>interest-bearing liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">119.57</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">120.03</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">120.11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">120.34</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">120.21</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ratio
    of total general administrative and other expenses to average total assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6.63</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.72</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.88</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.84</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.89</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Efficiency
    ratio (1)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">225.27</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">90.05</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">85.88</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">83.47</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">80.19</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Dividend
    payout ratio (2)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(11.06</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">176.85</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">109.75</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">159.04</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">98.60</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Asset
    Quality Ratios:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonperforming
    loans as a percent of total loans <BR>at end of period (3)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.57</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.84</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.80</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.62</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.91</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonperforming
    assets as a percent of total assets <BR>at end of period (3)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.50</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.64</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.64</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.32</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.63</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Allowance
for loan losses as a percent of total loans <BR>at end of period</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.52</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.52</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.58</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.59</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.62</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Allowance
    for loan losses as a percent of nonperforming <BR>loans at end of period</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">20.12</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18.14</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">20.56</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22.51</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">21.23</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Provision
    for loan losses to total loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.04</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.00</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.07</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.09</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.01</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    charge-offs to average loans outstanding</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.03</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.05</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.05</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.09</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.03</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Capital
    Ratios:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average
    equity to average assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">19.97</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">20.89</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">21.66</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22.45</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22.73</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Shareholders&rsquo;
    equity or capital to total assets <BR>at end of period</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">16.16</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">20.05</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">21.15</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">21.77</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">23.13</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consolidated
    Regulatory Capital Ratios:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Common
    equity Tier 1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26.08</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26.79</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">29.46</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30.01</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">31.38</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tier
    1 (core) capital to risk-weighted assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26.08</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26.79</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">29.46</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30.01</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">31.38</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    capital to risk-weighted assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26.08</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">27.54</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30.34</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30.88</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">32.29</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tier
    1 leverage capital to average assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15.67</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">16.65</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">17.51</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18.43</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18.95</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;Number
    of banking offices</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top; text-align: left">
<TD STYLE="font-family: Times New Roman, Times, Serif; width: 0%"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Efficiency
                                         ratio represents the ratio of non-interest expenses divided by the sum of net interest
                                         income and total non-interest income.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top; text-align: left">
<TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; width: 0"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents
                                         dividends paid as a percent of net (loss) earnings. Dividends paid does not include dividends
                                         waived by First Federal MHC.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top; text-align: left">
<TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; width: 0"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(3)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonperforming
                                         loans consist of nonaccrual loans, accruing loans greater than 90 days delinquent, and
                                         restructured loans not performing according to their revised terms, while nonperforming
                                         assets consist of nonperforming loans and real estate acquired through foreclosure.</FONT></TD>
</TR></TABLE>

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<P STYLE="font-family: Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><A NAME="a_005"></A>MANAGEMENT&rsquo;S
DISCUSSION AND ANALYSIS OF FINANCIAL</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CONDITION
AND RESULTS OF OPERATIONS</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>&nbsp;</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>References
in this Annual Report to &ldquo;we,&rdquo; &ldquo;us,&rdquo; and &ldquo;our&rdquo; refer to Kentucky First Federal Bancorp and
where appropriate, collectively to Kentucky First Federal Bancorp, First Federal of Hazard and First Federal of Kentucky.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Forward-Looking
Statements</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain
statements contained in this Annual Report that are not historical facts are forward-looking statements that are subject to certain
risks and uncertainties.&nbsp; When used herein, the terms &ldquo;anticipates,&rdquo; &ldquo;plans,&rdquo; &ldquo;expects,&rdquo;
&ldquo;believes,&rdquo; and similar expressions as they relate to the Company or its management are intended to identify such
forward-looking statements.&nbsp; The Company&rsquo;s actual results, performance or achievements may materially differ from those
expressed or implied in the forward-looking statements.&nbsp; Risks and uncertainties that could cause or contribute to such material
differences include, but are not limited to, general economic conditions, prices for real estate in the Company&rsquo;s market
areas, interest rate environment, competitive conditions in the financial services industry, changes in law, governmental policies
and regulations, rapidly changing technology affecting financial services and the risk factors described in Item 1A of our Annual
Report on Form 10-K for the year ended June 30, 2020. We wish to caution readers not to place undue reliance on any such forward-looking
statements, which speak only as of the date made. We wish to advise readers that the factors listed above could affect our financial
performance and could cause our actual results for future periods to differ materially from any opinions or statements expressed
with respect to future periods in any current statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
do not undertake, and specifically disclaim any obligation, to publicly release the result of any revisions which may be made
to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence
of anticipated or unanticipated events.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>General</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company was incorporated as a mid-tier holding company under the laws of the United States on March 2, 2005 upon the completion
of the reorganization of First Federal of Hazard into a federal mutual holding company form of organization (the &ldquo;Reorganization&rdquo;).
On that date, Kentucky First also completed its minority stock offering and its concurrent acquisition of Frankfort First Bancorp,
Inc. (&ldquo;Frankfort First Bancorp&rdquo;)and its wholly owned subsidiary, First Federal of Kentucky, Frankfort Kentucky (&ldquo;First
Federal of Kentucky&rdquo;) (the &ldquo;Merger&rdquo;). Following the Reorganization and Merger, the Company has operated First
Federal of Hazard and First Federal of Kentucky (collectively, the &ldquo;Banks&rdquo;) as two independent, community-oriented
savings institutions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
December 31, 2012, the Company acquired CKF Bancorp, Inc., a savings and loan holding company which operated three banking locations
in Boyle and Garrard Counties in Kentucky. In accounting for the transaction the assets and liabilities of CKF Bancorp were recorded
on the books of First Federal of Kentucky in accordance with accounting standard ASC 805, Business Combinations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
results of operations are dependent primarily on net interest income, which is the difference between the income earned on our
loans and securities and our cost of funds, consisting of the interest paid on deposits and borrowings. Results of operations
are also affected by the provision for losses on loans and service charges and fees collected on our deposit accounts. Our general,
administrative and other expense primarily consists of employee compensation and benefits expense, occupancy and equipment expense,
data processing expense, other operating expenses and state franchise and federal income taxes. Results of operations are also
significantly affected by general economic and competitive conditions, particularly changes in interest rates, government policies
and actions of regulatory authorities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><I>Business Continuity, Processes and Controls</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">In response to the Covid-19 pandemic the
Banks are considered essential businesses and have remained open for business.&nbsp; We implemented our pandemic preparedness plan
and generally maintained regular business hours through drive-through facilities, automated teller machines, remote deposit capture
and online and mobile banking applications.&nbsp; We offer by-appointment options for transactions requiring in-person contact
while maintaining social distancing mandates and surface cleaning protocols.&nbsp; Our staff is practicing recommended personal
hygiene protocols and social distancing while working on premises. We do not face current material resource constraints through
the implementation of our pandemic preparedness plan and do not anticipate incurring any material cost related to its implementation.
We have not identified any material operational or internal control challenges or risks, nor do we anticipate any significant challenges
to our ability to maintain our systems and controls, related to operational changes resulting from implementation of the pandemic
preparedness plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><I>Financial Position and Results of Operations</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">Bank regulators have issued guidance and
are encouraging banks to work with customers affected by COVID-19. Accordingly, we have been actively working with borrowers affected
by COVID-19 by offering a payment deferral program providing for either a three-month interest-only period or a full payment deferral
for three months. While interest and fees will continue to accrue to income, under normal GAAP accounting if eventual credit losses
on these deferred payments emerge, interest and/or fee income accrued may need to be reversed. As a result, interest income in
future periods could be negatively impacted. At this time management anticipates that the deferral program will have an immaterial
impact to the Company&rsquo;s financial condition and results of operation, while recognizing that a sustained negative economic
impact from COVID-19 could change this assessment, as borrowers&rsquo; ability to repay is impacted in future periods.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">At June 30, 2020 the Company and the Banks
were considered well-capitalized with capital ratios in excess of regulatory requirements. However, an extended economic recession
resulting from the COVID-19 pandemic could adversely impact the Company&rsquo;s and the Banks&rsquo; capital position and regulatory
capital ratios due to a potential increase in credit losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><I>Lending Operations and Credit Risk</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">As noted in Note C-Loans in the Notes to
Financial Statements herein, the Company continues working with its borrowers who are negatively impacted by COVID-19 by offering
a payment deferral program. As of June 30, 2020, a total of $17.3 million in loans were accepted into the Company&rsquo;s loan
payment deferral plan of which approximately $14.1 million had reached their three-month deferral date.&nbsp; Of those loans which
had reached the end of their deferral period approximately $13.8 million or 97.7% have returned to regular payment status.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">The CARES Act includes a Paycheck Protection
Program (&ldquo;PPP&rdquo;), which is administered by the Small Business Administration (&ldquo;SBA&rdquo;) and is designed to
aid small- and medium-sized businesses through federally-guaranteed loans disbursed through banks. These loans are intended to
provide eight weeks of payroll and other costs to assist those businesses to either remain open or to re-open quickly and allow
their workers to pay their bills. First Federal of Kentucky qualified as an SBA lender to assist the small business community in
securing this important funding. As of the date of this filing, First Federal of Kentucky had approved and closed with the SBA
45 PPP loans representing approximately $1.5 million in funding. It is our understanding that loans funded through the PPP are
fully guaranteed by the United States government and, if the borrower complies with provisions of the program, will be forgiven
by the SBA. Should those circumstances change, the bank could be required to increase its allowance for loan and lease losses related
to these loans resulting in an increase in the provision for loan and lease losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0; text-align: justify">The Banks are prepared to continue to offer
short-term assistance in accordance with regulatory guidelines. Management continues to identify and monitor weaknesses in the
loan portfolio resulting from fallout from the pandemic. On a portfolio level, management continues to monitor aggregate exposures
to highly sensitive segments such as residential rental properties for changes in asset quality and payment performance. Management
also monitors unfunded commitments such as lines of credit and overdraft protection to determine liquidity and funding issues that
may arise with our customers. If economic conditions worsen, the Company could need to increase its required allowance for loan
losses through additional provisions for loan losses. It is possible that the Company&rsquo;s asset quality metrics could be materially
and adversely impacted in future periods, if the effects of COVID-19 are prolonged.</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Income</I>.
</B>We have two primary sources of pre-tax income. The first is net interest income, which is the difference between interest
income, the income that we earn on our loans and investments, and interest expense, the interest that we pay on our deposits and
borrowings.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">To
a much lesser extent, we also recognize pre-tax income from fee and service charges, which is the compensation we receive from
providing financial products and services.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Expenses</I>.
</B>The expenses we incur in operating our business consist of compensation, taxes and benefits, office occupancy, data processing
fees, taxes and other expenses.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compensation,
taxes and benefits consist primarily of the salaries and wages paid to our employees and directors, payroll taxes and expenses
for retirement and other employee benefits.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Office
occupancy expenses, which are the fixed and variable costs of buildings and equipment, consist primarily of taxes, depreciation
charges, maintenance and costs of utilities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Data
processing fees primarily include fees paid to our third-party data processing providers.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Taxes
consist of the current and deferred portion of federal income taxes as well as franchise taxes paid to the Commonwealth of Kentucky
by the subsidiary Banks.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
expenses include expenses for attorneys, accountants and consultants, advertising, telephone, employee training and education,
charitable contributions, insurance, office supplies, postage and other miscellaneous operating activities.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Critical
Accounting Policies</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
accounting and reporting policies comply with U.S. GAAP and conform to general practices within the banking industry. We believe
that of our significant accounting policies, the following may involve a higher degree of management assumptions and judgments
that could result in materially different amounts to be reported if conditions or underlying circumstances were to change.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Allowance
for Loan Losses. </B>The allowance for loan losses is the estimated amount considered necessary to cover probable incurred losses
in the loan portfolio at the balance sheet date. The allowance is established through the provision for losses on loans, which
is charged against income.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
management and the Boards of the Company and of First Federal of Hazard and First Federal of Kentucky review the allowance for
loan losses on a quarterly basis. Consideration is given to a variety of factors in establishing this estimate including, but
not limited to, current economic conditions, delinquency statistics, geographic and industry concentrations, the adequacy of the
underlying collateral, the financial strength of the borrower, results of internal loan reviews, volume and mix of the loan portfolio
and other relevant factors. This evaluation is inherently subjective, as it requires material estimates that may be susceptible
to change. Management considers the economic climate in the Banks&rsquo; respective lending areas to be among the factors most
likely to have an impact on the level of the required allowance for loan losses. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Management
continues to monitor and evaluate factors which could have an impact on the required level of the allowance. Management watches
for national issues that may negatively affect a significant percentage of homeowners in the Banks&rsquo; lending areas. These
may include significant increases in unemployment or significant depreciation in home prices. Management reviews employment statistics
periodically when determining the allowance for loan losses and generally finds the unemployment rates in both lending areas to
be high in relation to historical trends. Management has no current plans to alter the type of lending or collateral currently
offered, but if such plans change or market conditions result in large concentrations of certain types of loans, such as commercial
real estate or high loan-to-value ratio residential loans, management would respond with an increase in the overall allowance
for loan losses.</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">The
analysis has two components, specific and general allocations. Loans are classified as either homogenous or other. Homogenous
loans are analyzed in the aggregate according to various criteria. Non-homogenous loans receive additional scrutiny and are classified
as impaired or unimpaired. Specific allocations are made for loans that are determined to be impaired. Impairment is measured
by determining the present value of expected future cash flows or, for collateral-dependent loans, the fair value of the collateral
adjusted for market conditions and selling expenses. A loan is considered to be collateral-dependent when the circumstances of
the borrower indicate that we can no longer rely upon the overall financial strength of that borrower to comply with the terms
of the loan and that the loan will likely be repaid in whole or in part by proceeds from the sale of the collateral. Updated independent
appraisals are ordered in most situations where management has determined to evaluate a loan for impairment. The general allocation
is determined by segregating the remaining loans by type of loan, risk weighting (if applicable) and payment history. We also
analyze historical loss experience, delinquency trends, general economic conditions and geographic and industry concentrations.
This analysis establishes factors that are applied to the loan groups to determine the amount of the general reserve. Actual loan
losses may be significantly more than the allowances we have established and, if so, this could have a material negative effect
on our financial results.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Goodwill.
</B>We test goodwill for impairment at least annually and more frequently, if circumstances indicate its value may not be recoverable.
We test goodwill for impairment by comparing the fair value of the reporting unit to the book value of the reporting unit. If
the fair value exceeds book value, then goodwill is not considered to be impaired. Based on the annual goodwill impairment test
at June 30, 2020, we recorded a non-cash $13.6 million goodwill impairment charge, which had no income tax impact. See Note F-Goodwill
in the Notes to Financial Statements for additional information regarding the goodwill impairment charge we recorded at June 30, 2020.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Deferred
Taxes. </B>We evaluate deferred tax assets and liabilities quarterly. We will realize these assets and liabilities to the extent
profitable or carry back tax losses to periods in which we paid income taxes. Our determination of the realization of the deferred
tax asset will be based upon management&rsquo;s judgment of various future events and uncertainties, including the timing and
amount of future income we will earn and the implementation of various tax plans to maximize realization of the deferred tax assets.
Management believes the Company will generate sufficient operating earnings to realize the deferred tax benefits. Examinations
of our income tax returns or changes in tax law may impact the tax liabilities and resulting provisions for income taxes.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Our
Operating Strategy</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
mission is to operate and grow profitable, community-oriented financial institutions serving primarily retail customers in our
market areas. We plan to pursue a strategy of:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">operating
                                         two community-oriented savings institutions, First Federal of Hazard, which serves customers
                                         in Perry and surrounding counties in eastern Kentucky, and First Federal of Kentucky,
                                         which serves customers primarily in the central Kentucky counties of Franklin, Boyle
                                         and Garrard, as well as their surrounding counties. Each Bank emphasizes traditional
                                         thrift activities of accepting deposits and originating primarily residential mortgage
                                         loans for portfolio;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">continuing
                                         our historic heavy reliance on our deposit base to fund our lending and investment activities
                                         and to supplement deposits with Federal Home Loan Bank of Cincinnati (&ldquo;FHLB&rdquo;)
                                         advances when advantageous or necessary. We expect our projected deposit mix to generally
                                         retain its existing composition of passbook, transaction and certificate of deposit accounts;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">gradually
                                         pursuing opportunities to increase and diversify lending in our market areas;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">applying
                                         conservative underwriting practices to maintain the high quality of our loan portfolios;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">managing
                                         our net interest margin and interest rate risk; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#9679;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">entertaining
                                         possibilities of expansion into other markets through branching or acquisition, if such
                                         possibilities are beneficial to the Company&rsquo;s shareholders, provide a good fit
                                         within the Company&rsquo;s mutual holding company framework and can be accomplished without
                                         undue encumbrance of the Company&rsquo;s other operational areas.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Market
Risk Analysis </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Qualitative
Aspects of Market Risk</I>. </B>Our most significant form of market risk is interest rate risk. We manage the interest rate sensitivity
of our interest-bearing liabilities and interest-earning assets in an effort to minimize the adverse effects of changes in the
interest rate environment. Deposit accounts typically react more quickly to changes in market interest rates than mortgage loans
because of the shorter maturities of deposits. As a result, sharp increases in interest rates may adversely affect our earnings
while decreases in interest rates may beneficially affect our earnings. To reduce the potential volatility of our earnings, we
have sought to improve the match between asset and liability maturities (or rate adjustment periods), while maintaining an acceptable
interest rate spread. Still, when market rates increase rapidly, increases in the cost of deposits and borrowings outpace the
increases in the return on assets. The Company&rsquo;s assets are primarily comprised of adjustable rate mortgages (all of which
have some contractual limits in their ability to react to market changes) and short-term securities. Those assets will, over time,
re-price to counteract the increased costs of deposits and borrowings.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Asset/Liability
Management</I>.</B> Management and the boards of the subsidiary Banks are responsible for the asset/liability management issues
that affect the individual Banks. Either Bank may work with its sister Bank to mitigate potential asset/liability risks to the
Banks and to the Company as a whole. Management utilizes a third-party to perform interest rate risk (&ldquo;IRR&rdquo;) calculations
for each of the Banks. Management monitors and considers methods of managing the rate sensitivity and repricing characteristics
of each of the Bank&rsquo;s balance sheet components in an effort to maintain acceptable levels of change in the economic value
of equity (&ldquo;EVE&rdquo;) as well as evaluating the impact on earnings in the event of changes in prevailing market interest
rates. Interest rate sensitivity analysis is used to measure our interest rate risk by computing estimated changes in EVE that
are a result of changes in the net present value of its cash flows from assets, liabilities, and off-balance sheet items. These
changes in cash flow are estimated based on hypothetical instantaneous and permanent increases and decreases in market interest
rates.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Since
December 2018 when the Federal Open Market Committee (&ldquo;FOMC&rdquo;) of the Federal Reserve Bank stopped increasing interest
rates, on several occasions interest rate decreases were announced until March 2020 when the group made an emergency rate cut
pursuant to COVID-19 pandemic. The FOMC announced at the end of its September 2020 meeting that it expects interest rates to remain
near zero until the end of 2023. At June 30, 2020, we believe our risk associated with rising interest rates was minimal. Our
IRR model indicated that at June 30, 2020, in the event of a sudden and sustained increase in prevailing market interest rates
of 300 basis points, our EVE would be expected to decrease $11.6 million or 19.5% to $47.8 million, at which level our fair value
of tangible equity to fair value of tangible assets would be expected to be 15.8% and our fair value of equity to fair value of
risk-weighted assets would be expected to be 26.2%. The projected decrease in EVE in the event of a sudden and sustained 300 basis
point increase in prevailing interest rates is within the parameters established by each subsidiary Bank&rsquo;s Board of Directors.
Computations or prospective effects of hypothetical interest rate changes are based on numerous assumptions, including relative
levels of market interest rates, loan prepayments, and deposit run-offs. These computations should not be relied upon as indicative
of actual results. Further, the computations do not contemplate any actions the Banks may undertake in response to changes in
interest rates. Certain shortcomings are inherent in this method of computing EVE. For example, although certain assets and liabilities
may have similar maturities or periods to repricing, they may react in differing degrees to changes in market interest rates.
The interest rates on certain types of assets and liabilities may fluctuate in advance of changes in market interest rates, while
interest rates on other types may lag behind changes in market rates.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Statement
of Financial Condition</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>General.
</I></B>At June 30, 2020, assets totaled $321.1&nbsp;million, a decrease of $9.6 million, or 2.9%, compared to June&nbsp;30, 2019.
The decrease in total assets was related primarily to the decrease of $13.6 million in goodwill as well as a decrease of $4.7
million or 68.0% in time deposits in other financial institutions. Those decreases were somewhat offset by an increase of $4.9
million or 1.8% in loans, net and an increase in cash and cash equivalents of $3.8 million or 39.0%. Total liabilities increased
$4.7 million, or 1.8%, to $269.2 million at June 30, 2020, primarily as a result of increased deposits, which increased $16.4
million or 8.4% to $212.3 million at June 30, 2020. Somewhat offsetting the increase in deposits was a decrease of $12.0 million
or 18.0% in FHLB advances, which totaled $54.7 million at the recent year end.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Loans</I>.
</B>Our primary lending activity is the origination of loans for the purchase, refinance or construction of one- to four-family
residential real estate located in our market areas. As opportunities arise, we also originate church loans, commercial real estate
loans, and multi-family and nonresidential real estate loans. At June 30, 2020, one- to four- family residential real estate loans
totaled $222.5&nbsp;million, or 77.4% of total loans, compared to $216.1&nbsp;million, or 75.1% of total loans, at June&nbsp;30,
2019, caused primarily by higher demand for home financing in the Banks&rsquo; markets. Construction real estate loans totaled
$4.0 million, or 1.4% of total loans, at June 30, 2020, compared to $3.8 million, or 1.3% of total loans at June&nbsp;30, 2019.
At June 30, 2020, multi-family real estate loans totaled $12.4 million, or 4.3% of total loans, compared to $15.9 million or 5.5%
of total loans at June&nbsp;30, 2019. Nonresidential real estate loans totaled $33.5 million, or 11.7% of total loans at June
30, 2020, compared to $30.4 million, or 10.6% of total loans, at June&nbsp;30, 2019. Commercial and industrial loans totaled $2.2
million or 0.8% of total loans at June 30, 2020, compared to $2.1 million or 0.7% of total loans at June 30, 2019. Farm loans
totaled $2.4 million or 0.8% of total loans at June 30, 2020, compared to $3.2 million or 1.1% of total loans at June 30, 2019.
Consumer loans (including automobile and unsecured loans) totaled $9.6 million and $10.2 million at June 30, 2020 and 2019, respectively.
At June 30, 2020, consumer loans were comprised of loans secured by deposits of $1.2 million or 0.4% of total loans and other
consumer loans of $8.4 million or 2.9% of total loans. Please refer to Note C-Loans of the Notes to Consolidated Financial Statements
for a further breakdown of consumer and other loans.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth the composition of our loan portfolio at the dates indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="38" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">At June 30,</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2020</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2019</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2018</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2017</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2016</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Amount</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Percent</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Amount</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Percent</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Amount</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Percent</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Amount</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Percent</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Amount</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Percent</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="38" STYLE="font-weight: bold; text-align: center">(Dollars in thousands)</TD><TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>Real estate loans:</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 20%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">One- to four-family</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 5%; text-align: right">222,489</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 5%; text-align: right">77.4</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 5%; text-align: right">216,066</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 5%; text-align: right">76.5</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 5%; text-align: right">206,908</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 5%; text-align: right">76.1</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 5%; text-align: right">197,978</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 5%; text-align: right">76.2</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 5%; text-align: right">181,120</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 5%; text-align: right">75.5</TD><TD STYLE="width: 1%; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.25in">Construction</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,045</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.4</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,757</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.3</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,919</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.1</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,102</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.8</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,809</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.2</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.25in">Multi-family</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12,373</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4.3</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,928</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5.7</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,113</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5.6</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,678</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.0</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,559</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.5</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in">Land</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">765</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.3</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">852</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.3</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">677</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.3</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,304</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.5</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,186</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.5</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in">Farm</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,354</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.8</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,157</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.1</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,295</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.8</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,062</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.8</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,735</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.7</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Nonresidential real estate</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">33,503</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.7</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">30,419</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.8</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">32,413</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.9</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">29,211</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.3</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">27,138</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.3</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Commercial and industrial</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,214</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.8</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,075</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.7</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,917</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.7</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,540</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.0</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,847</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.8</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in">Consumer:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Consumer and other</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,387</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.9</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,756</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.1</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,174</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.0</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,295</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.8</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,776</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.8</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; text-indent: -0.125in; padding-left: 0.25in">Loans on deposits</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,245</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">0.4</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">%</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,415</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">0.5</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">%</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,470</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">0.5</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">%</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,607</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">0.6</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">%</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,813</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">0.7</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 4pt; text-indent: -0.125in; padding-left: 0.375in">Total loans</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">287,375</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">100</TD><TD STYLE="padding-bottom: 4pt; text-align: left">%</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">282,425</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">100</TD><TD STYLE="padding-bottom: 4pt; text-align: left">%</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">271,886</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">100</TD><TD STYLE="padding-bottom: 4pt; text-align: left">%</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">259,777</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">100</TD><TD STYLE="padding-bottom: 4pt; text-align: left">%</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">239,983</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">100</TD><TD STYLE="padding-bottom: 4pt; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; text-indent: -0.125in; padding-left: 0.125in">Allowance for loan losses</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(1,488</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(1,456</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(1,576</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(1,533</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(1,515</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 4pt; text-indent: -0.125in; padding-left: 0.125in">Loans receivable, net</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">285,887</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">280,969</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">270,310</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">258,244</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">238,468</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth certain information at June&nbsp;30, 2020 regarding the dollar amount of loans repricing or maturing
during the periods indicated. The table does not include any estimate of prepayments which significantly shorten the average life
of all loans and may cause our actual repayment experience to differ from that shown below. Demand loans having no stated maturity
are reported as due in one year or less.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; padding-left: 0; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">(In
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Real
    Estate Loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commercial
    Loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consumer
    Loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    Loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">One year
    or less</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">47,339</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">743</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,270</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">57,352</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">More than one year
    to five years</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">162,029</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,471</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">362</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">163,862</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">More
    than five years</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,161</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,161</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">275,529</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,214</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,632</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">287,375</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
of June 30, 2020, there were $63.8 million fixed-rate and $164.4 million adjustable-rate real estate loans maturing in more than
a year, while there were $1.5 million fixed-rate and $0 adjustable-rate commercial loans maturing in more than a year.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table shows loan origination activity during the periods indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Year
    Ended June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; padding-left: 0; text-indent: 0; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">(In
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; width: 64%; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    loans at beginning of year</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">280,969</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">270,310</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">258,244</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans
    originated:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Real
    estate loans:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Residential
    one- to four-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">53,601</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">51,935</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">42,959</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Construction</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">14,787</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,059</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,440</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Multi-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,287</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">490</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,028</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Land</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Farm</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">146</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,224</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">524</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: 0; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonresidential
    real estate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,667</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,472</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,582</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commercial
    and industrial</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,502</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,075</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">290</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-bottom: 1.5pt; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consumer
    loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,419</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,512</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,079</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    loans originated</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">85,409</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">69,767</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">58,902</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-left: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Deduct:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Real
    estate loan principal repayments and other</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(80,136</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(58,872</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(46,092</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Decrease
    (increase) in allowance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(32</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">120</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(43</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Transfer
    to real estate acquired through foreclosure</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(304</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(347</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(910</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-bottom: 1.5pt; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Other</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(19</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">209</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-bottom: 1.5pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    loan activity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,918</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">10,659</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,066</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-bottom: 4pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    loans at end of period</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">285,887</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">280,969</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">270,310</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 114.15pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Allowance
for Loan Losses and Asset Quality</I>.</B> The allowance for loan losses is a valuation allowance for the probable incurred losses
in the loan portfolio. We evaluate the allowance for loan losses no less than quarterly. When additional allowances are needed
a provision for losses on loans is charged against earnings. The recommendations for increases or decreases to the allowance are
presented by management to the Banks&rsquo; boards of directors. The Company&rsquo;s board of directors oversees the overall allowance
level for the Company and may propose increases or decreases for allowance levels at the banks.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
allowance for loan losses is established to recognize the probable incurred losses associated with lending activities. Loss and
risk factors are based on our historical loss experience and industry averages and are adjusted for significant factors that in
management&rsquo;s judgment affect the collectibility of the portfolio as of the evaluation date. These significant factors may
include changes in lending policies and procedures, changes in existing general economic and business conditions affecting our
primary lending area, credit quality trends, collateral value, loan volumes and concentrations, seasoning of the loan portfolio,
recent loss experience, duration of the current business cycle and bank regulatory examination results.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
allowance for loan losses totaled $1.5 million at both June 30, 2020 and 2019, which represented 0.52% and 0.52% of total loans,
respectively. The allowance is based on a number of factors including loan loss experience, which has a significant impact.&nbsp;
The allowance included no specific reserves at June 30, 2020 or 2019. Such reserves are calculated when a non-homogenous loan
is considered impaired. An impaired loan is one in which it is likely that we will be unable to collect all amounts due according
to the contractual terms of the loan agreement. Most of the Company&rsquo;s loans are collateral-based and, in case of impairment,
the loans are carried at the lower of cost or fair value less disposal costs.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonperforming
loans, which consist of all loans 90 days or more past due and nonaccrual loans, totaled $7.4 million at June&nbsp;30, 2020 and
$8.0 million at June&nbsp;30, 2019, a decrease of $633,000 or 7.9%. The allowance for loan losses totaled 20.1% and 18.1% of nonperforming
loans at June 30, 2020 and 2019, respectively. In determining the allowance for loan losses at any point in time, management and
the boards of directors of the subsidiary Banks apply a systematic process focusing on the risk of loss in the portfolio. First,
the loan portfolio is segregated by loan types to be evaluated collectively and loan types to be evaluated individually. Delinquent
multi-family and nonresidential loans are evaluated individually for potential impairment. Second, the allowance for loan losses
is evaluated using historic loss experience adjusted for significant factors by applying these loss percentages to the loan types
to be evaluated collectively in the portfolio. It is difficult to derive direct correlation between the level of troubled loans,
whether measured by impairment, non-performance, classification, or delinquency, because approximately 7.6% of total loans and
32.3% of classified loans were acquired in the merger with Central Kentucky Federal. The acquired loans are not covered by the
allowance for loan losses in accordance with generally accepted accounting principles. To the best of management&rsquo;s knowledge,
all known and probable incurred losses that can be reasonably estimated have been recorded at June 30, 2020. However, there can
be no assurance that additions to the allowance will not be necessary in future periods, which would adversely affect our results
of operations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
banking regulators, as an integral part of their examination process, periodically review our allowance for loan losses. The examinations
may require us to make additional provisions for loan losses based on judgments different from ours. In addition, because further
events affecting borrowers and collateral cannot be predicted with certainty, there can be no assurance that the existing allowance
for loan losses is adequate or that increases will not be necessary should the quality of any loans deteriorate as a result of
the factors discussed above. Any material increase in the allowance for loan losses may adversely affect our financial condition
and results of operations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Summary
of Loan Loss Experience.</I></B> The following table sets forth an analysis of the allowance for loan losses for the periods indicated.
Where specific loan loss allowances have been established, any difference between the loss allowance and the amount of loss realized
has been charged or credited to the allowance.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;<B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="18" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Year Ended June 30,</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2020</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2019</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2018</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2017</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2016</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="18" STYLE="font-weight: bold; text-align: center">(Dollars in thousands)</TD><TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%">Allowance at beginning of period</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">1,456</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">1,576</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">1,533</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">1,515</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">1,568</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Provision for loan losses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">103</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">185</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">242</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Charge-offs:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0.125in">Real estate loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(65</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(190</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(240</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(226</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(80</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 0.125in">Consumer loans</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(8</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">--</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">--</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(5</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">--</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0.25in">Total charge-offs</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(73</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(190</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(240</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(231</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(80</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Recoveries:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Real estate loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">39</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">98</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt">Consumer and other loans</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">--</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">20</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">--</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">2</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">--</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 0.25in">Total recoveries</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">2</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">59</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">98</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">7</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">12</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt">Net charge-offs</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(71</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(131</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(142</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(224</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(68</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 4pt">Allowance at end of period</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">1,488</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">1,456</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">1,576</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">1,533</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">1,515</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Allowance to nonperforming loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20.1</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">18.1</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20.6</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">22.5</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">21.2</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Allowance to total loans outstanding at end of period</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.52</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.52</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.58</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.59</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.62</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Net charge-offs to average loans outstanding during the period</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.03</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.05</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.05</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.09</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.03</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 194.7pt; text-align: left; text-indent: -194.7pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 194.7pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth the breakdown of the allowance for loan losses by loan category, which management believes can be allocated
on an approximate basis, at the dates indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-top: 0; padding-left: 0; font-family: Times New Roman, Times, Serif; text-indent: 0; padding-right: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="58" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">At
    June 30,</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-top: 0; padding-left: 0; font-family: Times New Roman, Times, Serif; text-align: center; text-indent: 0; padding-right: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">2020</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">2019</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">2018</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">2017</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">2016</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-top: 0; padding-left: 0; font-family: Times New Roman, Times, Serif; text-align: center; text-indent: 0; padding-right: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Amount</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%
    of Allowance to Total Allowance</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>%
                                         of</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Loans
                                         in</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Category</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>To
                                         Total</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Loans</B></FONT></P></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Amount</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%
    of Allowance to Total Allowance</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>%
                                         of</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Loans
                                         in</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Category</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>To
                                         Total</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Loans</B></FONT></P></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Amount</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%
    of Allowance to Total Allowance</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>%
                                         of</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Loans
                                         in</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Category</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>To
                                         Total</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Loans</B></FONT></P></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Amount</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%
    of Allowance to Total Allowance</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>%
                                         of</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Loans
                                         in</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Category</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>To
                                         Total</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Loans</B></FONT></P></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Amount</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%
    of Allowance to Total Allowance</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0; text-indent: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>%
                                         of</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Loans
                                         in</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Category</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>To
                                         Total</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt"><B>Loans</B></FONT></P></TD><TD STYLE="padding: 0 0 1.5pt; font-family: Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="57" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">(Dollars
    in thousands)</FONT></TD><TD STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="padding-top: 0; font-family: Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-left: 0.05in; font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="text-decoration: underline; font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Loans
    category:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 10%; text-align: left; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Residential
    one- to four-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">671</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">45.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">77.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">685</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">47.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">76.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">795</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">50.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">75.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">773</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">50.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">76.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">862</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">56.9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 3%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">76.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Construction</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Multi-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">184</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">12.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">4.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">13.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">5.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">225</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">14.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">5.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">243</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">15.9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">6.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">192</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">12.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">6.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Land</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Farm</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Nonresidential
    real estate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">405</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">27.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">11.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">336</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">23.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">10.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">321</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">20.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">11.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">270</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">17.6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">11.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">217</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">14.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">11.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Commercial
    and industrial</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">18</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Consumer
    and other</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">12</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">2.9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">14</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">3.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">14</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">3.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">18</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">2.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">12</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">2.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Loans
    on deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">0.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Unallocated</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">13.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">13.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">12.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">13.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">13.2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; text-indent: -0.05in; padding-left: 0.05in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">Total
    allowance for loan losses</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1,488</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">100</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">100</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1,456</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">100</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">100</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1,576</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">100</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">100</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1,533</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">100</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">100</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">1,515</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">100</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">100</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7.5pt">%</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Nonperforming
and Classified Assets</I>. </B>When a loan becomes 90 days delinquent, the loan may be placed on nonaccrual status at which time
the accrual of interest ceases, the interest previously accrued to income is reversed and interest income is thereafter recognized
on a cash basis. Payments on a nonaccrual loan are applied to the outstanding principal and interest as determined at the time
of collection of the loan or applied entirely to principal, depending on management&rsquo;s assessment of ultimate collectibility.
In situations where management believes collection of interest due is likely even if the loan is more than 90 days delinquent,
then management may decide not to place the loan on non-accrual status.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
consider repossessed assets and loans that are 90 days or more past due to be nonperforming assets. Real estate that we acquire
as a result of foreclosure or by deed-in-lieu of foreclosure is classified as real estate owned until it is sold. When property
is acquired it is recorded at the lower of carrying value of the investment or fair value less estimated selling costs at the
date of foreclosure. Holding costs and declines in fair value after acquisition of the property are charged against income.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Under
current accounting guidelines, a loan is defined as impaired when, based on current information and events, it is probable that
the creditor will be unable to collect all amounts due under the contractual terms of the loan agreement. We consider one- to
four-family mortgage loans and deposit loans to be homogeneous and collectively evaluate them for impairment. Other loans are
evaluated for impairment on an individual basis. At June&nbsp;30, 2020, there were no loans individually considered impaired with
valuation adjustments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table provides information with respect to our nonperforming assets at the dates indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="18" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Year Ended June 30,</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2020</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2019</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2018</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2017</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">2016</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="18" STYLE="font-weight: bold; text-align: center">(Dollars in thousands)</TD><TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">Nonaccrual loans:</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; text-align: left; padding-left: 0.125in">Real estate loans</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">4,415</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">4,936</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">3,668</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">3,816</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">3,447</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0.125in">Commercial loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">--</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">--</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 0.125in">Consumer loans</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">5</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">9</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">2</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">8</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">11</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0.25in">Total</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,424</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,946</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,677</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,824</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,458</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Accruing loans past due 90 days or more:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 0.125in">Real estate loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,135</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,747</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,419</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,770</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,166</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0.125in">Commercial loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">--</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">49</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">--</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">--</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">--</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 0.125in">Consumer loans</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">--</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">--</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">--</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">11</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">--</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.125in; padding-left: 0.375in">Total of accruing loans past due 90 days or more</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,135</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,796</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,419</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,781</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,166</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt">Restructured loans not performing as agreed</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,836</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,286</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,569</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,205</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,511</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0.25in">Total nonperforming loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,395</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,028</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,665</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,810</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,135</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Restructured loans performing as agreed</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">36</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">163</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">161</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">328</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">323</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt">Real estate acquired through foreclosure</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">640</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">710</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">710</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">358</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">527</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 4pt; text-indent: -0.125in; padding-left: 0.375in">Total nonperforming assets and performing restructured loans</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">8,071</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">8,901</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">8,536</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">7,496</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">7,985</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Total nonperforming loans to total loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.57</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.84</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.80</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.62</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.91</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Total nonperforming loans to total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.30</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.43</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.41</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.21</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.45</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Total nonperforming assets to total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.50</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.64</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.64</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.32</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.63</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
income that would have been recorded for the years ended June 30, 2020 and 2019, had nonaccrual loans been current according to
their original terms amounted to $48,000, and $151,000, respectively. Income related to nonaccrual loans included in interest
income for the years ended June 30, 2020 and 2019 amounted to $0, and $51,000, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
regulations require us to regularly review and classify our assets. In addition, our regulators have the authority to identify
problem assets and, if appropriate, require them to be classified. There are three classifications for problem assets: substandard,
doubtful and loss. &ldquo;Substandard assets&rdquo; must have one or more defined weaknesses and are characterized by the distinct
possibility that we will sustain some loss if the deficiencies are not corrected. &ldquo;Doubtful assets&rdquo; have the weaknesses
of substandard assets with the additional characteristic that the weaknesses make collection or liquidation in full on the basis
of currently existing facts, conditions and values questionable, and there is a high possibility of loss. An asset classified
&ldquo;loss&rdquo; is considered uncollectible and of such little value that continuance as an asset of the institution is not
warranted. The regulations also provide for a &ldquo;special mention&rdquo; category, described as assets which do not currently
expose us to a sufficient degree of risk to warrant classification but do possess credit deficiencies or potential weaknesses
deserving our close attention. Special mention assets totaled $1.7 million and $1.8 million at June 30, 2020 and 2019, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table shows the aggregate amounts of our assets classified for regulatory purposes at the dates indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">At
    June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(In
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 64%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Substandard assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,587</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,590</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,625</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Doubtful assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loss assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    classified assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,587</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,590</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,625</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Substandard
assets at June 30, 2020, consisted of 170 loans totaling $8.9 million and 6 parcels of real estate owned with an aggregate carrying
value of $640,000, compared to substandard assets at June 30, 2019 which consisted of 181 loans totaling $10.9 million and 8 parcels
of real estate owned with an aggregate carrying value of $710,000. At June 30, 2020, 6.7% of the Company&rsquo;s substandard assets
were represented by real estate acquired through foreclosure compared to 6.1% at June 30, 2019. During the fiscal years ended
June 30, 2020 and 2019, the Company made loans to facilitate the purchase of its other real estate owned by qualified borrowers.
The Company sold property with carrying values of $65,000 and $193,000 for $75,000 and $206,000 during the fiscal years ended
June 30, 2020 and 2019, respectively. Such loans are considered loans to facilitate an exchange. Loans to facilitate the sale
of other real estate owned and which were included in substandard loans totaled $23,000 and $136,000 at June 30, 2020, and 2019,
respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
table below summarizes other real estate owned at June 30, 2020:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; padding-left: 0; text-indent: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Dollars
in thousands)</B></FONT></P></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Number
    of properties</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    carrying value</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; width: 76%; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Single
    family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">640</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-bottom: 1.5pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Building
    lots</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-bottom: 4pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">640</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font-family: Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font-family: Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="font-family: Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
table below summarizes substandard loans at June 30, 2020:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; padding-left: 0; text-indent: 0"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(Dollars
                                         in thousands)</B></FONT></P></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Number
    of loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    carrying value</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; width: 76%; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Single
    family, owner occupied</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">128</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,506</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Single
    family, non-owner occupied</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">25</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,043</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Two-
    to four-family, non-owner occupied</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">189</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Construction</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">63</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Multi-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">671</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonresidential
    real estate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,035</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Farm</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">309</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: left; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commercial
    and industrial</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">25</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-bottom: 1.5pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consumer</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">106</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; padding-bottom: 4pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">170</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,947</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
than disclosed above, there are no other loans at June 30, 2020 that we have serious doubts about the ability of the borrowers
to comply with the present loan repayment terms.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Delinquencies.
</I></B>The following table provides information about delinquencies in our loan portfolios at the dates indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">At
    June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">30-59
    Days Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">60-89
    Days Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">30-59
    Days Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">60-89
    Days Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(In
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; width: 52%; text-align: justify; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Real
    estate loans </FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,455</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">447</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,676</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,462</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: justify; padding-bottom: 1.5pt; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consumer
    loans </FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">255</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">38</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: justify; padding-bottom: 4pt; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total </FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,710</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">447</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,714</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,470</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;<FONT STYLE="font-size: 10pt">&nbsp;</FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.5in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Securities</I>.
</B>Our securities portfolio consists a single agency bond and mortgage-backed securities with maturities of 30 years or less,
which totaled $1.1&nbsp;million at June 30, 2020, a decrease of $681,000, or 37.4%, compared to the $1.8&nbsp;million total at
June 30, 2019. The decrease in these securities resulted from scheduled maturities and normal repayment/prepayment from the mortgage-backed
securities. All of our mortgage-backed securities were issued by Ginnie Mae, Fannie Mae or Freddie Mac. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth the carrying values and fair values of our securities portfolio at the dates indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="22" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">At
    June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Amortized
    Cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fair
    Value</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Amortized
    Cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fair
    Value</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Amortized
    Cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fair
    Value</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="22" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(In
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Available-for-sale
    securities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; width: 28%; text-align: left; padding-left: 0.25in; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Agency
    mortgage-backed: residential</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">38</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">38</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">43</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">43</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">48</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">48</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; text-align: left; padding-left: 0.125in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Agency
    bonds</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">500</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">503</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">501</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">505</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; text-align: left; padding-bottom: 1.5pt; padding-left: 0.125in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">U.S.
    Treasury securities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">496</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">497</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; padding-bottom: 4pt; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">538</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">541</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,040</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,045</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">48</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">48</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; text-align: left; padding-left: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Held-to-maturity
    securities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-right: 0; text-align: left; padding-left: 0.25in; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Agency
    mortgage-backed: residential</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">598</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">611</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">775</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">775</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,002</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">998</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
June 30, 2020 and 2019, we did not own any securities that had an aggregate book value in excess of 10% of our equity at that
date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
following table sets forth the maturities and weighted average yields of debt securities at June 30, 2020. At June 30, 2020, we
had no agency securities with adjustable rates.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">One
    Year or Less</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1.5pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>More
                                         Than</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>One
                                         Year to </B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Five
                                         Years</B></FONT></P></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1.5pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>More
                                         Than</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Five
                                         Years to </B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><B>Ten
                                         Years</B></FONT></P></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">More
    Than Ten Years</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Total
    Investment Portfolio</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Amortized
    Cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Weighted
    Average Yield</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Amortized
    Cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Weighted
    Average Yield</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Amortized
    Cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Weighted
    Average Yield</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Amortized
    Cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Weighted
    Average Yield</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Amortized
    Cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Fair
    Value</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Weighted
    Average Yield</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="42" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">(Dollars
    in thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Available
    for sale securities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 12%; text-align: left; text-indent: -9pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Mortgage-backed
    securities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">3.78</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">3.78</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">15</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">3.78</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">3.78</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">38</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">38</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">3.78</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -9pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Agency
    bonds</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">500</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">2.87</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">500</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">503</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">2.87</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.7pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">502</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">15</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">538</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">541</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.7pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Held
    to maturity securities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Mortgage-backed
    securities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">39</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">4.23</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">171</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">4.21</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">248</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">4.21</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">140</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">4.34</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">598</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">611</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">4.24</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.7pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.7pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">541</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">182</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">263</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">150</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">1,136</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">1,152</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Other
Assets.</B> Other assets at June 30, 2020, include goodwill of $947,000, which was a result of the Company&rsquo;s acquisition
of Frankfort First, and bank owned life insurance policies with a carrying value of $2.6 million and $2.5 million at June 30,
2020 and 2019, respectively, of which First Federal of Kentucky is the owner and beneficiary. Both subsidiary Banks are members
and stockholders of the Federal Home Loan Bank of Cincinnati (&ldquo;FHLB&rdquo;). FHLB stock, at cost, totaled $6.5 million at
June 30, 2020 and 2019.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Deposits.
</B>Our primary source of funds is retail deposit accounts held primarily by individuals within our market areas. Deposits totaled
$212.3&nbsp;million at June 30, 2020, increasing $16.4 million or 8.4% between the two periods.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth the balances of our deposit products at the dates indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">At
    June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(In
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 64%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Certificate of deposit
    accounts</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">134,155</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">125,892</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">120,490</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Demand, transaction
    and savings accounts</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">78,118</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">69,944</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">75,163</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">212,273</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">195,836</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">195,653</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: -13.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table indicates at June 30, 2020, the amount of certificate of deposit accounts with balances equal to or greater than
$100,000, by time remaining until maturity. The Federal Deposit Insurance Corporation (&ldquo;FDIC&rdquo;) currently insures deposits
up to $250,000 in most cases, making certificate of deposit accounts with balances equal to or greater than $100,000 less volatile
as before the limit was raised.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Maturity
    Period</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; border-bottom: Black 1.5pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Certificates
                                         of Deposit</B></FONT></P></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(In&nbsp;thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 88%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Three months or less</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">19,033</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Over three months through six months</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">14,514</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Over six months through twelve months</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13,563</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Over twelve
    months</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">19,460</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,570</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth our certificate of deposit accounts classified by rates at the dates indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: -2.7in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">At
    June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(In
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Rate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 64%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.01 -&#8239;0.99%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30,125</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22,743</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">40,501</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.00 - 1.99</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">75,796</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">39,077</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">62,138</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.00 -&#8239;2.99</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">28,234</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">64,072</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">17,851</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">134,155</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">125,892</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">120,2490</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth the amount and maturities of certificate accounts at June 30, 2020.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Amount
    Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Less
    Than <BR>
    One Year</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">More
    Than <BR>
    One Year to <BR>
    Two Years</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>More
                                         Than<BR>
                                         Two Years <BR>
                                         to Three <BR>
                                         Years</B></FONT></P></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>More
                                         Than<BR>
                                         Three&nbsp;Years</B></FONT></P></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Percentage
                                         <BR>
                                         of&nbsp;Total <BR>
                                         Certificate <BR>
                                         Accounts</B></FONT></P></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="22" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Dollars
    in thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 28%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.01 &ndash;0.99%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">28,443</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">489</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">351</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">842</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30,125</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.00 &ndash;1.99</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">50,890</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">20,170</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,526</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,210</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">75,796</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">56.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.00 &ndash;2.99</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13,156</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">10,160</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,918</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">28,234</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">21.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">92,489</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30,819</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7,795</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,052</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">134,155</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">100.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth the average balances and rates paid on deposits.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="22" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Year
    Ended June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Rate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Rate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Rate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0; text-align: center; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="22" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Dollars
    in thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; width: 28%; text-align: justify; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Noninterest-bearing
    demand</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,796</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.00</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,275</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.00</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,256</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.00</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: justify; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest-bearing
    demand</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">14,181</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.16</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15,258</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.15</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15,262</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.14</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: justify; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Savings
    accounts</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">51,123</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.41</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">54,156</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.40</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">57,505</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.39</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: 0; text-align: justify; padding-left: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Certificates
    of deposit</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">131,728</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.65</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">123,180</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.41</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">114,314</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.01</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth the deposit activities for the periods indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Year
    Ended June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(In
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 64%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Beginning balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">195,836</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">195,653</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">182,845</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Increase (decrease) before interest
    credited</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">14,032</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1,793</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,406</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest credited</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,405</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,976</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,402</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net increase
    (decrease) in deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">16,437</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">183</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,808</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ending balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">212,273</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">195,836</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">195,653</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><I>Borrowings</I>.
</B>Advances from the Federal Home Loan Bank of Cincinnati amounted to $54.7 million and $66.7&nbsp;million at June 30, 2020 and
2019, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table presents certain information regarding our Federal Home Loan Bank of Cincinnati advances during the periods and
at the dates indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Year
    Ended June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Dollars
    in thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 64%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance outstanding at
    end of period</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">54,715</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,703</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">53,052</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Maximum
    amount of advances outstanding at any month end during the period</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">65,198</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,703</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">53,052</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average advances outstanding during
    the period</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">58,788</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">53,824</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">48,801</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Weighted average interest rate during
    the period</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.86</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.37</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.56</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Weighted average interest rate at
    end of period</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.99</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.39</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.03</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Capital</I>.
</B>Total shareholders&rsquo; equity totaled $51.9 million at June 30, 2020, a decrease of $14.4 million or 21.7%, compared to
June&nbsp;30, 2019. The decrease resulted primarily from the net loss including impairment taken on goodwill and dividends declared
during the year.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effective
January 1, 2015, the Company and the Banks became subject to the capital regulations in accordance with Basel III. These regulations
established higher minimum risk-based capital ratio requirements, a new common equity Tier 1 risk-based capital ratio and a new
capital conservation buffer (&ldquo;CCB&rdquo;). The regulations also included a revised definition of capital and changed the
risk-weighting of certain assets. For purposes of prompt corrective action, the new regulations establish definitions of &ldquo;well
capitalized&rdquo; as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Minimum
    for <BR>
    banks to be <BR>
    well-capitalized <BR>
    under <BR>
    regulatory <BR>
    requirements</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 88%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tier 1 Capital to Total
    Average Assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Common Equity Tier 1 Capital</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tier 1 Capital to Risk-Weighted Assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total Capital to Risk-Weighted Assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">10.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Additionally,
the CCB of Common Equity Tier 1 Risk-Based capital above the minimum risk-based capital requirements was introduced. The CCB is
2.5%. The Company and the Banks, in order to avoid limitations on capital distributions, including dividend payments, engaging
in share repurchases and certain discretionary bonus payments to executive officers, must maintain the CCB at the appropriate
level.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Community
Bank Leverage Ratio</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>&nbsp;</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain
community banks and holding companies (which include the Company, Frankfort First, First Federal of Kentucky and First Federal
of Hazard) that satisfy certain qualifying criteria, including having less than $10 billion in average total consolidated assets
and a leverage ratio (referred to as the &ldquo;community bank leverage ratio&rdquo;) of greater than 9%, were eligible to opt-in
to the CBLR framework. The CBLR ratio is the ratio of a banking organization&rsquo;s Tier 1 capital to its average total consolidated
assets as reported on the banking organization&rsquo;s applicable regulatory filings. The Banks elected to utilize the CBLR framework
effective for the quarter ended March 31, 2020. See Note K-Stockholders&rsquo; Equity and Regulatory Capital in audited financial
statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
June 30, 2020, both First Federal of Hazard&rsquo;s and First Federal of Kentucky&rsquo;s regulatory capital substantially exceeded
all minimum regulatory capital requirements. Management is not aware of any recent event that would cause this classification
to change. See Note J-Stockholders&rsquo; Equity and Regulatory Capital in the Notes to Financial Statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Results
of Operations for the Years Ended June 30, 2020 and 2019</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>General.
</I></B>A non-cash $13.6 million, or $1.64 per common share, goodwill impairment charge led to a net loss of $12.5 million or
$1.52 diluted earnings per share for the fiscal year ended June&nbsp;30, 2020, which represents a $13.4 million decrease from
net earnings recorded for the fiscal year ended June&nbsp;30, 2019. The goodwill impairment charge, which had no tax impact and
is reported as a component of non-interest expense, was the primary contributor to the decrease in earnings year over year. Net
income adjusted for the goodwill impairment charge, which is a non-GAAP financial measure, would have been $1.0 million or $0.12
per common share for the year ended June 30, 2020, while non-interest expense adjusted for goodwill impairment charge, which is
also a non-GAAP financial measure, decreased $384,000 or 4.4% to $8.3 million for the fiscal year ended June 30, 2020. Increased
non-interest income and was partially offset by reduced net interest income, increased income taxes and increased provision for
loan losses.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>&nbsp;</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Interest
Income.</I></B> Total interest income for the fiscal year ended June&nbsp;30, 2020 was $12.8 million, an increase of $123,000,
or 1.0%, compared to the fiscal year ended June&nbsp;30, 2019. The increase in interest income was due primarily to an increase
in the average balance of interest-earning assets during the fiscal year. The average balance of interest-earning assets increased
$10.1 million or 3.4% to $305.9 million for the twelve months recently ended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
income from loans increased $343,000 or 2.9% to $12.4 million for the year ended June 30, 2020 due to an increase in the average
balance of the portfolio, which increased $8.4 million or 3.1% to $282.2 million for the year just ended, while the average rate
earned on the loan portfolio decreased 1 basis point to 4.38% for the year just ended. Interest income from mortgage-backed securities
decreased $9,000 or 29.0% to $22,000 for the recently ended fiscal year primarily due to a decrease in the volume of assets, while
interest income from other investment securities increased $5,000 for the recently ended year. Income from other interest-earning
assets decreased $216,000 or 34.0% year over year and totaled $419,000 for the recently ended fiscal year.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Interest
Expense.</I></B> Interest expense totaled $3.5 million for the fiscal year ended June&nbsp;30, 2020, an increase of $247,000,
or 7.6%, from fiscal 2019. The increase in interest expense resulted primarily from higher average levels of deposits along with
higher average rates paid on certificates of deposits. Interest expense on deposits increased $429,000 or 21.7% to $2.4 million
for the 2020 fiscal year primarily due to an increase in the average rate paid on those deposits, which increased 19 basis points
to 1.22% for the recently-ended fiscal year. The average balance of deposits increased $4.4 million or 2.3% to $197.0 million
for the year just ended. Interest expense on certificates of deposit was primarily responsible for the increase in interest expense
on deposits for the year. The increase in interest expense on certificates of deposit was due principally to an increase in the
rate paid on those deposits as short-term interest rates increased during the period and competition for deposits made it necessary
to increase rates offered, although an increase in the average balance also contributed to the increase year-over-year. The average
balance of certificates of deposit increased $8.5 million or 6.9% to $131.7 million for the recently-ended year, while the average
rate paid on certificates of deposit increased 24 basis points to 1.65% for the year. The average balance of savings and interest-bearing
demand deposits decreased $3.0 million or 5.6% and $1,000 or 0.0%, respectively, totaling $51.1 million and $14.2 million for
the 2020 fiscal year, respectively. Interest expense on borrowings decreased $182,000 or 14.3% to $1.1 million for the twelve
months ended June 30, 2020, primarily due to a decrease in the average rate paid on FHLB advances outstanding. The average rate
paid on borrowings decreased 51 basis points year over year to 1.86% for the recently-ended period, while the average balance
of borrowings increased $5.0 million or 9.2% to $58.8 million for the year just ended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Net
Interest Income.</I></B> As a result of the aforementioned changes in interest income and interest expense, net interest income
before provision for loan losses decreased $124,000 or 1.3% to $9.3 million for the 2020 year. As indicated on the following table,
our net interest margin decreased from 3.19% for the 2019 fiscal year to 3.05% for the year just ended. Management expects the
Banks&rsquo; net interest margins to begin to expand slightly in light of emergency rate reduction and easing of monetary policy
by the Federal Open Market Committee of the Federal Reserve Bank Board of Governors. On March 15, 2020, the policy-setting group
reduced the overnight rate to zero and has clearly indicated that no rate increases are forthcoming in the near term. This stance
in turn impacts the bank&rsquo;s funding sources, including local deposits, FHLB advances and some other wholesale sources. As
such, with short-term interest rates at reduced levels, we would expect our cost of funds to also decrease.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Average
Balances and Yields</I>.</B> The following table presents information regarding average balances of assets and liabilities, the
total dollar amounts of interest income and dividends, the total dollar amount of interest expense and the resulting average yields
and costs. The yields and costs for the periods indicated are derived by dividing income or expense by the average balances of
assets or liabilities, respectively, for the periods presented. For purposes of this table, average balances have been calculated
using the average of daily balances and nonaccrual loans are included in average balances only. We did not hold any non-taxable
securities during any of the periods presented in the table.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; padding-left: 0.125in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>2020</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>2019</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>2018</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">And</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Yield/</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">And</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Yield/</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">And</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Yield/</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; padding-bottom: 1.5pt; font-weight: bold; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Dollars
    in thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Dividends</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Dividends</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Dividends</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest-earning
    assets:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; text-indent: -0.125in; width: 28%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">282,154</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,364</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.38</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">273,802</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,021</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.39</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">263,295</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,312</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 5%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.30</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Mortgage-backed
    securities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">708</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">911</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">31</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.40</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,310</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">41</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.13</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Other
    securities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">670</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.69</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">475</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.74</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.00</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 1.5pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Other
    interest-earning assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22,345</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">419</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.88</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">20,584</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">635</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.00</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">20,819</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">533</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.56</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    interest-earning assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">305,877</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,823</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.19</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">295,772</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,700</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.29</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">285,424</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,886</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.16</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Less:
    ALLL</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1,446</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1,536</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1,539</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 1.5pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Noninterest-earning assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26,063</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26,240</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26,940</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left; padding-bottom: 4pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">330,494</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">320,476</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">310,825</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest-bearing
    liabilities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Demand
    deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">14,181</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.16</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15,258</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">23</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.15</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15,262</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.14</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Savings</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">51,123</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">208</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.41</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">54,156</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">216</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.40</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">57,505</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">223</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.39</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 1.5pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Certificates
    of deposit</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">131,728</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,175</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.65</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">123,180</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,737</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.41</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">114,314</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,157</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.01</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">197,032</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,405</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.22</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">192,594</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,976</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.03</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">187,081</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,402</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.75</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 1.5pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Borrowings</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">58,788</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,094</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.86</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">53,824</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,276</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.37</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">48,801</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">759</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.56</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left; padding-bottom: 1.5pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    interest-bearing liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">255,820</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,499</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.37</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">246,418</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,252</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.31</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">235,882</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,161</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.92</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Noninterest-bearing demand deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,796</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,275</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,256</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 1.5pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Noninterest-bearing liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,876</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,824</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,360</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">264,492</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">253,517</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">243,498</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 1.5pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Shareholders&rsquo;
    equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,002</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,959</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">67,327</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left; padding-bottom: 4pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    liabilities and shareholders&rsquo; Equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">330,494</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">320,476</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">310,825</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 4pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    interest income/average yield</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,324</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.82</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,448</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2.97</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,725</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.24</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 4pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    interest margin</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.05</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.19</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3.41</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 4pt; text-indent: -0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Average
    interest-earning assets to Average interest-bearing liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">119.57</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">120.03</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">120.00</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Rate/Volume
Analysis</I>.</B> The following table sets forth the effects of changing rates and volumes on our net interest income. The rate
column shows the effects attributable to changes in rate (changes in rate multiplied by prior year volume). The volume column
shows the effects attributable to changes in volume (changes in volume multiplied by prior year rate). For purposes of this table,
changes attributable to changes in both rate and volume that cannot be segregated have been allocated proportionately based on
the changes due to rate and the changes due to volume. The total column represents the sum of the prior columns.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Twelve
                                         months ended June 30, 2020 to <BR>
                                         June 30, 2019</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Increase
                             (Decrease) Due to Changes In</B></FONT></P></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Twelve
                                         months ended June 30, 2019 to <BR>
                                         June 30, 2018</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Increase
                             (Decrease) Due to Changes In</B></FONT></P></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Volume</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Rate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Volume</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Rate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest-earning
    assets:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 28%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans receivable</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">365</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(22</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">343</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">458</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">251</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">709</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Mortgage-backed securities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(14</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Investment securities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Other interest-earning
    assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">60</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(276</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(216</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">108</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">102</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total interest-earning
    assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">424</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(301</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">123</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">451</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">363</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">814</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest-bearing
    liabilities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Demand deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Savings</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(12</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(14</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Certificates of deposit</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">126</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">312</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">438</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">96</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">484</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">580</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Borrowings</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">137</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(319</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(182</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">85</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">432</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">517</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total interest-bearing
    liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">249</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">247</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">167</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">924</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,091</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in; font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Increase (decrease)
    in net interest income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">175</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(299</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(124</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">284</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(561</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(277</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Provision
for Losses on Loans.</I></B> A provision for losses on loans is charged to earnings to maintain the total allowance for loan losses
at a level calculated by management based on historical experience, the volume and type of lending conducted by the Banks, the
status of past due principal and interest payments and other factors related to the collectability of the loan portfolio. Based
upon an analysis of these factors, management recorded a provision of $103,000 for losses on loans for the fiscal year ended June&nbsp;30,
2020, an increase of $92,000, compared to a provision of $11,000 for fiscal 2019. Management believes all nonperforming loans
are adequately collateralized or have been written down to their realizable value; however, there can be no assurance that the
loan loss allowance will be adequate to absorb losses on known nonperforming assets or that the allowance will be adequate to
cover losses on nonperforming assets in the future. See discussion about <B>Allowance Loan Losses and Asset Quality.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>&nbsp;</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Non-interest
Income. </I></B>Other non-interest income increased $156,000 or 64.2% to $399,000 for the fiscal year ended June 30, 2020, due
primarily to an increase of $157,000 in net gains on sales of loans, which totaled $186,000 for the year just ended. The Banks
increased the number and dollar volume of loans sold to the Federal Home Loan Bank of Cincinnati (&ldquo;FHLB&rdquo;) during the
year just ended with a significant increase occurring in the quarter ended June 30, 2020. The banks sell most of their long-term,
fixed rate mortgages to FHLB as part of the overall interest rate risk strategy. Impairment charges for REO decreased $30,000
or 45.5% to $66,000 for the year just ended.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Non-interest
Expense. </I></B>Non-interest expense increased $13.2 million or 151.0% to $21.9 million for the fiscal year ended June 30, 2020
compared to fiscal 2019 primarily due a $13.6 million goodwill impairment charge. Goodwill of $14.5 million was originally recorded
in March 2005 when the Company, as part of its initial public offering, purchased Frankfort First Bancorp, Inc., with a portion
of the stock and cash proceeds from the offering. The impairment charge represents an accounting transaction which had no impact
on cash flows, liquidity, or key capital ratios of the Company or its bank subsidiaries. A prolonged decline in the stock price
of the Company exacerbated by the COVID-19 pandemic and related economic impact led to recognition of the impairment pursuant
to management&rsquo;s performance of a goodwill impairment analysis as of June 30, 2020. In conjunction with this determination,
management also early adopted ASU 2017-04, <I>Intangibles-Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment</I>,
which simplifies the required method for estimating the fair value of the Company. Based on this analysis, the estimated fair
value of the Company was less than book value, resulting in the $13.6 million goodwill impairment charge. The estimated fair value
of the Company was determined based on a combination of methods including discounted cash flows of forecasted earnings and estimated
sales price based on recent observable market transactions of similar securities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-interest
expense adjusted for goodwill impairment charge, a non-GAAP financial measure, decreased $384,000 or 4.4% to $8.3 million primarily
due to lower costs associated with employee compensation and benefits, occupancy and equipment, voice and data communications,
other non-interest expense and advertising. Somewhat offsetting the decreased expenses were increases in auditing and accounting
as well as data processing costs.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee
compensation and benefits costs decreased $260,000 or 4.5% to $5.5 million for the twelve months ended June 30, 2020, primarily
due to lower contributions to the Company&rsquo;s Defined Benefit (&ldquo;DB&rdquo;) retirement plan. DB pension contributions
decreased $279,000 or 23.0% to $935,000 for the fiscal year just ended compared to the prior year period. Lower DB pension contributions
are a result of the freeze placed on the plan effective April 1, 2019. Occupancy and equipment expenses decreased $103,000 or
15.4% to $568,000 for the recently ended fiscal year, as reduced maintenance and repair costs were experienced for both buildings
and equipment. The sale of a building in the prior fiscal year resulted in lower depreciation expense and property taxes year
over year. Voice and data communications expense decreased $98,000 or 39.4% from the previous fiscal year primarily due to upgraded
data connections, which provide better connectivity, faster data transfer speeds and a lower overall cost. Other non-interest
expense decreased $85,000 or 10.7% and totaled $711,000 for the year just ended primarily as a result of decreased FDIC insurance
premiums. FDIC insurance premiums decreased $70,000 or 84.5% to $13,000 for the year ended June 30, 2020, because the Banks were
able to utilize their Small Bank Assessment Credits (&ldquo;SBAC&rdquo;) during the period. Because the Banks did not pay surcharges
at least once during the credit calculation period (third quarter 2016 through third quarter 2018), the FDIC determined the Banks
to be eligible for credits against their insurance premiums when the Deposit Insurance Fund (&ldquo;DIF&rdquo;) reserve ratio
equals or exceeds 1.38%. The DIF reserve ratio as of June 30, 2019 was 1.40%. The FDIC automatically applied SBACs to offset regular
deposit insurance assessments for the assessment periods where the DIF reserve ratio is at or above 1.38%. Assessments for the
twelve months ended June 30, 2020 totaled $85,000. Advertising costs decreased $56,000 or 24.8% and totaled $170,000 for the 2020
fiscal year based on the Company&rsquo;s refining of its advertising strategy.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Somewhat
offsetting the decreases in non-interest expenses were an increase of $125,000 or 22.4% in auditing and accounting and an increase
of $99,000 or 22.4% in data processing expense, which totaled $165,000 and $541,000 for the year ended June 30, 2020, respectively.
Auditing and accounting expense increased due in part to additional time devoted to internal audits, while data processing expense
increased with additional customer-facing technology and outside services associated with more efficient voice and data communications
capability.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>&nbsp;</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Federal
Income Taxes. </I></B>As noted herein, the Company reported federal income tax expense of $264,000 for the fiscal year just ended
compared to federal income tax expense of $141,000 for the fiscal year ended June 30, 2019, an increase of $123,000 or 87.2%.
The increase in income tax expense was primarily related to the tax benefit recorded of $63,000 in the fiscal year ended June
30, 2019 for the Kentucky tax legislation and an increase in earnings, exclusive of the goodwill impairment, in fiscal year ended
June 30, 2020. The effective income tax rate for the years ended June 30, 2020 and 2019, was -2.1% and 14.8%, respectively.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Liquidity
and Capital Resources</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Liquidity
is the ability to meet current and future short-term financial obligations. Our primary sources of funds consist of cash and deposits
at other banks, deposit inflows, loan repayments and maturities, calls and sales of investment and mortgage-backed securities
and advances from the FHLB. While maturities and scheduled amortization of loans and securities are predictable sources of funds,
deposit flows and mortgage prepayments are greatly influenced by general interest rates, economic conditions and competition.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
periodically assess our available liquidity and projected upcoming liquidity demands. We regularly adjust our investments in liquid
assets based upon our assessment of (1)&nbsp;expected loan demand, (2)&nbsp;expected deposit flows, (3)&nbsp;yields available
on interest-earning deposits and securities, and (4)&nbsp;the objectives of our asset/liability management program. Excess liquid
assets are invested generally in interest-earning deposits, federal funds and short- and intermediate-term U.S. Government agency
obligations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
most liquid assets are cash, federal funds sold and interest-bearing deposits. The levels of these assets depend on our operating,
financing, lending and investing activities during any given period. At June 30, 2020 and June&nbsp;30, 2019, cash and cash equivalents
totaled $13.7&nbsp;million and $9.9 million, respectively. Time deposits in other financial institutions totaled $2.2 million
and $7.0 million at June 30, 2020 and 2019, respectively, and securities classified as available-for-sale, which provide additional
sources of liquidity, totaled $541,000 and $1.0 million at June 30, 2020 and 2019, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
are not aware of any trends and/or demands, commitments, events or uncertainties that could result in a material protracted decrease
in liquidity. We expect that all of our liquidity needs, including the contractual commitments can be met by our currently available
liquid assets and cash flows. In the event any unforeseen demand or commitments were to occur, we would access our borrowing capacity
with the FHLB. We expect that our currently available liquid assets and our ability to borrow from the FHLB would be sufficient
to satisfy our liquidity needs without any material adverse effect on our liquidity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
primary investing activities are the origination of loans and the purchase of investment securities. In fiscal 2020 and 2019 we
originated $85.4 million and $69.8&nbsp;million of loans, respectively. During fiscal 2020, these activities were funded primarily
by proceeds from principal repayments on loans of $80.1 million and FHLB advances. During fiscal 2019, these activities were funded
primarily by principal repayments on loans of $59.6 million and FHLB advances.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financing
activities consist primarily of activity in deposit accounts and in FHLB advances. Total deposits increased $16.4 million for
the year ended June 30, 2020, compared to a net increase of $183,000 for the year ended June 30, 2019. FHLB advances decreased
$12.0 million from June 30, 2019 to June 30, 2020. Deposit flows are affected by the overall level of interest rates, the products
and corresponding interest rates offered by us and our local competitors and other factors. We generally manage the pricing of
our deposits to be competitive and to increase core deposit relationships. FHLB advances are collateralized by a blanket mortgage
on the 1-4 family residential mortgages owned by the banks. See Exhibit 13, Note G-Advances from the Federal Home Loan Bank in
Notes to Consolidated financial Statements. At June 30, 2020, the Banks had combined additional FHLB borrowing capacity of $74.6
million.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Commitments
and Contractual Obligations</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
June 30, 2020, we had $9.3 million in mortgage commitments. Certificates of deposit due within one year of June 30, 2020 totaled
$92.5 million, or 43.6% of total deposits. If these deposits do not remain with us, we might be required to seek other sources
of funds, including FHLB advances or other certificates of deposit. Depending on market conditions, we may be required to pay
higher rates on such deposits or other borrowings than we currently pay on the certificates of deposit due on or before June 30,
2021. We believe, however, based on past experience, that a significant portion of our certificates of deposit will remain with
us. We have the ability to attract and retain deposits by adjusting the interest rates offered.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Off-balance
Sheet Arrangements</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
the year ended June&nbsp;30, 2020, other than loan commitments, we engaged in no off-balance-sheet transactions reasonably likely
to have a material effect on our financial condition, results of operations or cash flows.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Dividend
Policy</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
fiscal 2020, the Company&rsquo;s aggregate dividend of $1.4 million exceeded its net income by $13.9 million. In fiscal 2019,
the Company&rsquo;s net income exceeded its aggregate dividend of $1.4 million by $624,000. Approximately 57.3% of the shares
of Kentucky First Federal are held by First Federal MHC, a mutual holding company created in 2005. Under regulations of the Board
of Governors of the Federal Reserve System mutual holding companies, who have waived their dividends prior to December 1, 2009,
may continue to waive these dividends provided there is no objection by the Federal Reserve. This waiver action is conditioned
on providing appropriate notice and absent the Federal Reserve&rsquo;s determination that the waiver would be detrimental to the
safe and sound operations of the banks. First Federal MHC put the issue to a vote of the members August 2012 and each of the succeeding
eight years. Members of First Federal MHC voted in favor of the dividend waiver on all occasions and the Federal Reserve Bank
of Cleveland subsequently approved the waiver of the dividends. As a result, First Federal MHC will be permitted to waive the
receipt of dividends for quarterly dividends up to $0.10 per common share through the third quarter of 2021. Management believes
that the Company has sufficient capital to continue the current dividend policy without affecting the well-capitalized status
of either subsidiary bank. Indeed, the Banks still far exceed all regulatory required capital levels. Therefore, we expect to
continue to seek approval from the Federal Reserve to allow First Federal MHC to waive its right to dividends. If management should
anticipate a long-term trend in which dividends consistently exceed net income (either due to regulatory mandate or a drop in
income levels), the dividend policy would be reconsidered. Management cautions that comparison between the Company&rsquo;s published
earnings per share and the Company&rsquo;s published dividends per share does not lead to an accurate portrayal of the relationship
between net income and dividends paid, because the published dividend per share is calculated with the inclusion of the shares
owned by First Federal MHC<B>.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Impact
of Inflation and Changing Prices</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
consolidated financial statements and accompanying notes have been prepared in accordance with U.S. generally accepted accounting
principles, which require the measurement of financial position and operating results in terms of historical dollars without considering
the change in the relative purchasing power of money over time due to inflation. The primary impact of inflation on our operations
is reflected in increased operating costs. Unlike most industrial companies, virtually all of our assets and liabilities are monetary
in nature. As a result, interest rates generally have a more significant impact on our performance than do general levels of inflation.
Interest rates do not necessarily move in the same direction or to the same extent as the prices of goods and services.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Use
of Non-GAAP Financial Measures</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
addition to disclosing financial results in accordance with U.S. GAAP, the financial information in this Management&rsquo;s Discussion
and Analysis of Financial Condition and Results of Operations contains non-GAAP financial measures, including adjusted net income
and adjusted net income per common share. Adjusted net income and adjusted net income per common share reflect an adjustment for
goodwill impairment expense incurred in connection with the Company&rsquo;s consolidation and integration of its subsidiaries
announced during the fourth quarter of the fiscal year ended June 30, 2020. The goodwill impairment charge had no tax impact.
Management believes providing these non-GAAP adjusted financial measures, combined with the primary GAAP presentation of net (loss)
income and net (loss) income per common share to be useful for investors to understand the Company&rsquo;s results of operations
in comparison with prior periods. It also considers them to be important supplemental measures of the Company&rsquo;s performance.
The non-GAAP financial measures should not be considered superior to, or a substitute for, financial measures calculated in accordance
with GAAP. A reconciliation of non-GAAP adjusted net income and non-GAAP adjusted net income per common share is included in the
tables below.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company&rsquo;s methods for determining these non-GAAP financial measures may differ from the methods used by other companies
for these or similar non-GAAP financial measures. Accordingly, these non-GAAP financial measures may not be compatible to methods
used by other companies.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reconciliation
of Non-GAAP Financial Measures</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Twelve
    months ended <BR>
    June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Three
    months ended <BR>
    June 30,</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">(In
    thousands, except per share data)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 52%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net (loss) income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(12,547</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">812</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(13,269</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">300</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Adjustments:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Non-interest
    expense</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Goodwill
    impairment charge</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13,560</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13,560</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Adjusted net
    income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,013</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">812</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">291</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">300</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Basic and diluted net (loss) income
    per common share</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1.52</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1.61</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.04</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Adjustments:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Non-interest
    expense</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Goodwill
    impairment charge</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.64</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1.64</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Adjusted net
    income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.12</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.03</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0.04</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Report of Independent Registered Public
Accounting Firm</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To the Shareholders, Board of Directors and Audit Committee</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Kentucky First Federal Bancorp</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Frankfort, Kentucky</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-indent: -0.8in">Opinion on the Financial
Statements</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We have audited the accompanying consolidated balance sheets
of Kentucky First Federal Bancorp (Company) as of June 30, 2020 and 2019, the related consolidated statements of operations, comprehensive
(loss) income, changes in shareholders&rsquo; equity and cash flows for the years then ended, and the related notes (collectively
referred to as the financial statements). In our opinion, the consolidated financial statements referred to above present fairly,
in all material respects, the financial position of the Company as of June 30, 2020 and 2019, and the results of its operations
and its cash flows for the years then ended, in conformity with accounting principles generally accepted in the United States of
America.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Basis for Opinion</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">These financial statements are the responsibility of the Company&rsquo;s
management. Our responsibility is to express an opinion on the Company&rsquo;s financial statements based on our audits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We are a public accounting firm registered with the Public Company
Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Company in accordance
with the U.S. federal securities laws and the applicable rules and regulations of the U.S. Securities and Exchange Commission and
the PCAOB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We conducted our audits in accordance with the standards of
the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement, whether due to error or fraud. The Company is not required to have, nor were we engaged
to perform, an audit of its internal control over financial reporting. As part of our audits we are required to obtain an understanding
of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Company&rsquo;s
internal control over financial reporting. Accordingly, we express no such opinion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our audits included performing procedures to assess the risks
of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to
those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial
statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as
well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis
for our opinion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>BKD, <FONT STYLE="font-size: 10pt">LLP </FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We have served as the Company&rsquo;s auditor since 2018.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Louisville, Kentucky</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">September 28, 2020&nbsp;&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><A NAME="a_006"></A>KENTUCKY
FIRST FEDERAL BANCORP</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CONSOLIDATED
BALANCE SHEETS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Dollar
amounts in thousands, except per share data)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ASSETS</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash and
    due from financial institutions</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,662</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,870</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest-bearing
    demand deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,040</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,991</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash
    and cash equivalents</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time deposits in other
    financial institutions</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,229</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,962</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities available
    for sale</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">541</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,045</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities
    held-to-maturity, at amortized cost- approximate fair value of $611 and $775 at June 30, 2020 and 2019, respectively</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">598</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans held for sale</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">667</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans, net of allowance
    of $1,488 and $1,456 at June 30, 2020 and 2019, respectively</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">285,887</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">280,969</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other real estate owned,
    net</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">640</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">710</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Premises and equipment,
    net</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,916</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,028</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Home Loan Bank
    stock, at cost</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,498</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,482</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued interest receivable</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">830</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">758</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank-owned life insurance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,594</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,518</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Goodwill</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">947</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,507</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Prepaid federal income
    taxes</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">135</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">266</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Prepaid
    expenses and other assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">952</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">890</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">321,136</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">330,771</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">LIABILITIES
    AND SHAREHOLDERS&rsquo; EQUITY</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">212,273</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">195,836</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal Home Loan Bank
    advances</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,715</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,703</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Advances by borrowers
    for taxes and insurance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">800</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">763</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued interest payable</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deferred federal income
    taxes</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">837</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">701</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">573</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">462</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">269,225</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">264,493</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Commitments and contingencies</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholders&rsquo;
    equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preferred
    stock, 500,000 shares authorized, $.01 par value;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif"> <FONT STYLE="font-size: 10pt">no
    shares issued and outstanding</FONT></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common stock,
    20,000,000 shares authorized, $.01 par value; 8,596,064 shares issued</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">86</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">86</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Additional
    paid-in capital</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34,981</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35,056</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Retained
    earnings</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19,932</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33,867</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unearned
    employee stock ownership plan (ESOP)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(289</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(476</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury
    shares at cost, 343,849 and 266,549 common shares at June 30, 2020 and 2019, respectively</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2,801</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2,259</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accumulated
    other comprehensive income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    shareholders&rsquo; equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51,911</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,278</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    liabilities and shareholders&rsquo; equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">321,136</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">330,771</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
accompanying notes are an integral part of these statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CONSOLIDATED
STATEMENTS OF OPERATIONS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
the years ended June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Dollar
amounts in thousands, except per share data)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; width: 76%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans,
    including fees</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,364</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,021</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mortgage-backed
    securities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    securities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest-bearing
    deposits and other</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">419</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">635</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    interest income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,823</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,700</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest expense</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,405</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,976</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Borrowings</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,094</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,276</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    interest expense</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,499</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,252</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    interest income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,324</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,448</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provision
    for loan losses</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">103</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    interest income after provision for loan losses</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,221</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,437</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-interest income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Earnings
    on bank-owned life insurance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">76</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">74</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    gains on sales of loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">186</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    gain on sales of REO</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Valuation
    adjustment for REO</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(36</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(66</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    gains on sales of property</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right">-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">168</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">187</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    non-interest income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">399</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">243</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-interest expense</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee
    compensation and benefits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,536</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,796</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Occupancy
    and equipment</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">568</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">671</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Voice
    and data communications</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">151</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">249</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Advertising</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">170</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">226</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outside
    service fees</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">176</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">150</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Data
    processing</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">541</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">442</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Audit
    and accounting</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">165</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Franchise
    and other taxes</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">259</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">255</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Foreclosure
    and REO expense, net</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">66</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">102</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Goodwill
    impairment</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,560</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right">-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">711</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">796</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    non-interest expense</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21,903</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,727</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Loss)
    income before income taxes</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,283</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">953</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal income tax
    expense</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Current</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">128</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right">-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deferred</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">136</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">141</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    federal income tax expense</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">264</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">141</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">NET
    (LOSS) INCOME</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,547</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">812</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(LOSS)
    EARNINGS PER SHARE Basic and diluted</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>$</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(1.52</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>)</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>$</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>0.10</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
accompanying notes are an integral part of these statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CONSOLIDATED
STATEMENTS OF COMPREHENSIVE (LOSS) INCOME</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
the years ended June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Dollar
amounts in thousands)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net (loss)
    income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,547</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">812</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other comprehensive
    (loss) income, net of tax-related effects:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized
    holding (losses) gains on securities designated as available for sale during the year, net of taxes (benefits) of $(1) and
    $1 in 2020 &nbsp;and 2019, respectively</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Comprehensive
    (loss) income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,549</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">816</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
accompanying notes are an integral part of these statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CONSOLIDATED
STATEMENTS OF CHANGES IN SHAREHOLDERS&rsquo; EQUITY</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
the years ended June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Dollar
amounts in thousands, except per share data)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Unearned</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>employee</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>stock</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Accumulated</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Additional</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ownership</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>other</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Common</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>paid-in</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Retained</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>plan</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Treasury</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>comprehensive</B></FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>stock</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>capital</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>earnings</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>(ESOP)</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>shares</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>income</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Total</B></FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif; width: 37%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Balance at June 30, 2018</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">86</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35,085</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34,050</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(663</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,355</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 10pt">-</FONT></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67,203</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">812</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">812</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allocation of ESOP shares</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(29</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">187</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">158</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition
    of shares for treasury</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(904</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(904</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Change
    in accounting method</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">441</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">441</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Comprehensive
    Income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash
    dividends of $0.40 per common share</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,436</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,436</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Balance at June 30, 2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">86</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35,056</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33,867</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(476</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2,259</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,278</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net loss</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,547</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,547</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allocation of ESOP shares</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(75</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">187</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">112</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition
    of shares for treasury</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(542</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(542</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Comprehensive
    Loss</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash
    dividends of $0.40 per common share</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,388</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,388</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Balance at June
    30, 2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">86</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34,981</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19,932</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(289</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2,801</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51,911</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
accompanying notes are an integral part of these statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CONSOLIDATED
STATEMENTS OF CASH FLOWS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
the years ended June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Dollar
amounts in thousands)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: center; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash flows from operating activities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; width: 76%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    (loss) income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,547</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">812</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    to reconcile net (loss) income to net cash provided by operating activities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Goodwill
    impairment</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,560</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right">-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Depreciation</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">277</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">282</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accretion
    of purchased loan discount</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(97</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(90</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization
    of purchased loan premium</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization
    of discounts and premiums on investment securities, net</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortization
    of deferred loan origination costs (fees)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">85</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">82</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    gain on sale of loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(186</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(29</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Valuation
    adjustment of REO</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">66</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    gain on real estate owned</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ESOP
    compensation expense</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">112</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">158</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    gain on sale of property &amp; equipment</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right">-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Earnings
    on bank-owned life insurance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(76</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(74</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provision
    for loan losses</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">103</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Origination
    of loans held for sale</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(5,598</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(821</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proceeds
    from loans held for sale</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,117</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">850</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Increase
    (decrease) in cash, due to changes in:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
    interest receivable</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(72</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(52</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Prepaid
    expenses and other assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(62</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
    interest payable</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accounts
    payable and other liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">111</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(239</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.375in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
    income tax (benefit)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Current</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">131</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(124</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.5in; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deferred</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">136</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">141</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.625in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    cash provided by operating activities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,042</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,002</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash flows from investing
    activities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase
    of investment securities available for sale</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(994</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase
    of time deposits in other financial institutions</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2,500</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(4,486</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Maturities
    of time deposits in other financial institutions</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,233</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,216</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment
    securities maturities, prepayments and calls:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held
    to maturity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">169</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">220</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available
    for sale</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">502</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase
    of FHLB stock</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(16</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right">-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proceeds
    from sale of property &amp; equipment</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right">-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">338</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    originated for investment, net of principal collected</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(5,228</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(10,806</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proceeds
    from sale of real estate owned</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">292</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">175</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Additions
    to real estate owned</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(44</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(98</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Additions
    to premises and equipment, net</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(165</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(148</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.625in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    cash provided by (used in) investing activities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">243</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,579</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash flows from financing
    activities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    change in deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16,437</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">183</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Payments
    by borrowers for taxes and insurance, net</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proceeds
    from Federal Home Loan Bank advances</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23,500</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43,150</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Repayments
    on Federal Home Loan Bank advances</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(35,488</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(29,499</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treasury
    stock purchases</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(542</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(904</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dividends
    paid on common stock</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,388</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,436</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.625in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    cash provided by financing activities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,556</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,495</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net increase (decrease)
    in cash and cash equivalents</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,841</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(82</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Beginning
    cash and cash equivalents</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,943</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending
    cash and cash equivalents</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
accompanying notes are an integral part of these statements. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CONSOLIDATED
STATEMENTS OF CASH FLOWS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
the years ended June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Dollar
amounts in thousands)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Supplemental disclosure of cash flow information:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cash paid during the year for:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="3" STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Federal
    income taxes</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; border-bottom: Black 4pt double; font-weight: bold; text-align: right">-<FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">100</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest
    on deposits and borrowings</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,500</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,246</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Supplemental disclosure of noncash investing
    activities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Transfers
    from loans to real estate acquired through foreclosure</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">304</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">347</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans disbursed
    upon sales of real estate acquired through foreclosure</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">95</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">214</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
accompanying notes are an integral part of these statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kentucky
First Federal Bancorp (the &ldquo;Company&rdquo;) is a savings and loan holding company whose activities are primarily limited
to holding the stock and managing the operations of First Federal Savings and Loan Association of Hazard, Kentucky (&ldquo;First
Federal of Hazard&rdquo;) and Frankfort First Bancorp, Inc., (&ldquo;Frankfort First&rdquo;) the holding company for First Federal
Savings Bank of Kentucky (&ldquo;First Federal of Kentucky&rdquo;). First Federal of Hazard and First Federal of Kentucky are
collectively referred to herein as &ldquo;the Banks.&rdquo; First Federal of Hazard is a community-oriented savings and loan association
dedicated to serving consumers in Perry and surrounding counties in eastern Kentucky, while First Federal of Kentucky operates
through six banking offices located in Frankfort, Danville and Lancaster, Kentucky. Both institutions engage primarily in the
business of attracting deposits from the general public and applying those funds to the origination of loans for residential and
consumer purposes. First Federal of Kentucky also originates, to a lesser extent, church loans, home equity and other loans. Other
than a predominance of one- to four-family residential property, which is common in most thrifts, there are no significant concentrations
of loans to any one industry or customer. However, the customers&rsquo; ability to repay their loans is dependent on the real
estate and general economic conditions in the Banks&rsquo; specific operating areas. The Banks&rsquo; profitability is significantly
dependent on net interest income, which is the difference between interest income generated from interest-earning assets (i.e.
loans and investments) and the interest expense paid on interest-bearing liabilities (i.e. customer deposits and borrowed funds).
Net interest income is affected by the relative amount of interest-earning assets and interest-bearing liabilities and the interest
received or paid on these balances. The level of interest rates paid or received by the Banks can be significantly influenced
by a number of environmental factors, such as governmental monetary policy, that are outside of management&rsquo;s control.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following is a summary of the Company&rsquo;s significant accounting policies which have been consistently applied in the preparation
of the accompanying consolidated financial statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.
<U>Principles of Consolidation</U>: The consolidated financial statements include the accounts of the Company, First Federal of
Hazard, Frankfort First and First Federal of Kentucky. All significant intercompany accounts and transactions have been eliminated
in consolidation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.
<U>Use of Estimates</U>: The consolidated financial information presented herein has been prepared in accordance with U.S. generally
accepted accounting principles (&ldquo;U.S. GAAP.&rdquo;) To prepare financial statements in conformity with U.S. GAAP, management
makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in
the financial statements and the disclosures provided, and actual results could differ. Such estimates include, but are not limited
to, the allowance for loan losses, goodwill, and deferred taxes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.
<U>Securities</U>: Debt securities are classified as held to maturity or available for sale. Securities classified as held to
maturity are to be carried at cost only if the Company has the positive intent and ability to hold these securities to maturity.
Securities designated as available for sale are carried at fair value with resulting unrealized gains or losses recorded to shareholders&rsquo;
equity, net of tax.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.25in"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Securities:
                                         </U>(continued)</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield
method without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses
on sales are recorded on the trade date and determined using the specific identification method.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management
evaluates securities for other-than-temporary impairment (&ldquo;OTTI&rdquo;) at least on a quarterly basis, and more frequently
when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers
the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management
also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized
loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is
met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities
that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related
to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in
other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected
to be collected and the amortized cost basis.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.
<U>Loans</U>: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff
are reported at the principal amount outstanding, adjusted for deferred loan origination costs, net, discounts on purchased loans,
and the allowance for loan losses. Interest income is accrued on the unpaid principal balance unless the collectability of the
loan is in doubt. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income
using the level-yield method without anticipating prepayments. Interest income on one- to four-family residential loans is generally
discontinued at the time a loan is 180 days delinquent and on other loans at the time a loan is 90 days delinquent. All other
loans are moved to non-accrual status in accordance with the Company&rsquo;s policy, typically 90 days after the loan becomes
delinquent. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off
at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days
still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually
classified impaired loans.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">All
interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such
loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to
accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably
assured.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.
<U>Loans held for sale and Mortgage Servicing Rights</U>: Loans held for sale are carried at the lower of cost (less principal
payments received) or fair value, calculated on an aggregate basis. At June 30, 2020 the Company had $667,000 in loans held for
sale, while at June 30, 2019 there were no loans held for sale.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.
<U>Loans held for sale and Mortgage Servicing Rights:</U> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
selling loans, the Company utilizes a program with the Federal Home Loan Bank, retaining servicing on loans sold. Mortgage servicing
rights on originated loans that have been sold are initially recorded at fair value. Capitalized servicing rights are amortized
in proportion to and over the period of estimated servicing revenues. The Company recorded amortization related to mortgage servicing
rights totaling $20,000 and $13,000 during the years ended June 30, 2020 and 2019, respectively. The carrying value of the Company&rsquo;s
mortgage servicing rights, which approximated fair value, totaled approximately $96,000 and $76,000 at June 30, 2020 and 2019,
respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company was servicing mortgage loans of approximately $12.1 million and $9.4 million that had been sold to the Federal Home Loan
Bank at June 30, 2020 and 2019, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Servicing
rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is recognized
through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the
Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the
allowance may be recorded as an increase to income. Changes in valuation allowances are reported with other non-interest income
on the income statement. The fair values of servicing rights are subject to significant fluctuations as a result of changes in
estimated and actual prepayment speeds and default rates and losses.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>&nbsp;</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Servicing
fee income which is reported on the income statement as other non-interest income is recorded for fees earned for servicing loans.
The fees are based on a contractual percentage of the outstanding principal and are recorded as income when earned. The amortization
of mortgage servicing rights is netted against loan servicing fee income. Servicing fees totaled $7,000 and $15,000 for the fiscal
years ended June 30, 2020 and 2019, respectively. Late fees and ancillary fees related to loan servicing are not material.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.
<U>Allowance for Loan Losses</U>: The allowance for loan losses is a valuation allowance for probable incurred credit losses.
Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent
recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loss experience,
the nature and volume of the portfolio, trends in the level of delinquent and problem loans, adverse situations that may affect
the borrower&rsquo;s ability to repay, the estimated value of any underlying collateral and current and anticipated economic conditions
in the primary lending area. Allocations of the allowance may be made for specific loans, but the entire allowance is available
for any loan that, in management&rsquo;s judgment, should be charged off.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
allowance consists of specific and general components. The specific component relates to loans that are individually classified
as impaired or loans otherwise classified as substandard or doubtful. The general component covers all loans and is based on historical
loss experience adjusted for current factors. In consultation with regulators, the Company considers a time frame of two years
when estimating the appropriate level of allowance for loan losses. This period may be shortened or extended based on anticipated
trends in the banks or in the banks&rsquo; markets.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.
<U>Allowance for loan losses:</U> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company
over the most recent eight quarters. This actual loss experience is supplemented with other economic factors based on the risks
present for each portfolio segment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">These
economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and
trends in charge-offs and recoveries; trends in volume and terms of loans; changes in lending policies, procedures and practices;
experience, ability and depth of lending management and other relevant staff; economic trends and conditions; industry conditions;
and effects of changes in credit concentrations. Our portfolio segments include residential real estate, nonresidential real estate
and land, loans on deposits and consumer and other loans. Risk factors associated with our portfolio segments are as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Residential
Real Estate</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
primary lending activity is the origination of mortgage loans, which enable a borrower to purchase or refinance existing homes
in the Banks&rsquo; respective market areas. We further classify our residential real estate loans as one- to four-family (owner-occupied
vs nonowner-occupied), multi-family or construction. We believe that our first mortgage position on loans secured by residential
real estate presents lower risk than our other loans, with the exception of loans secured by deposits.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
offer a mix of adjustable-rate and fixed-rate mortgage loans with terms up to 30 years for owner-occupied properties. For these
properties a borrower may be able to borrow up to 95% of the value with private mortgage insurance. Alternatively, the borrower
may be able to borrow up to 90% of the value through other programs offered by the bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
offer loans on one- to four-family rental properties at a maximum of 80% loan-to-value (&ldquo;LTV&rdquo;) ratio and we generally
charge a slightly higher interest rate on such loans.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
also originate loans to individuals to finance the construction of residential dwellings for personal use or for use as rental
property. We occasionally lend to builders for construction of speculative or custom residential properties for resale, but on
a limited basis. Construction loans are generally less than one year in length, do not exceed 80% of the appraised value, and
provide for the payment of interest only during the construction phase. Funds are disbursed as progress is made toward completion
of the construction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Multi-family
and Nonresidential Loans</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
offer mortgage loans secured by residential multi-family (five or more units), and nonresidential real estate. Nonresidential
real estate loans are comprised generally of commercial office buildings, churches and properties used for other purposes. Generally,
these loans are originated for 25 years or less and do not exceed 80% of the appraised value. Loans secured by multi-family and
commercial real estate generally have larger balances and involve a greater degree of risk than one- to four-family residential
mortgage loans. These loans depend on the borrower&rsquo;s creditworthiness and the feasibility and cash flow potential of the
project. Payments on loans secured by income properties often depend on successful operation and management of the properties.
As a result, repayment on such loans may be subject to a greater extent to adverse conditions in the real estate market or economy
than owner-occupied residential loans.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.
<U>Allowance for loan losses:</U> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;<B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Consumer
lending</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
consumer loans include home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans.
Home equity loans are generally second mortgage loans subordinate only to first mortgages also held by the bank and do not exceed
80% of the estimated value of the property. We do offer home equity loans up to 90% of the estimated value to qualified borrowers
and these loans carry a premium interest rate. Loans secured by savings are originated up to 90% of the depositor&rsquo;s savings
account balance and bear interest at a rate higher than the rate paid on the deposit account. Because the deposit account must
be pledged as collateral to secure the loan, the inherent risk of this type of loan is minimal. Loans secured by automobiles are
made directly to consumers (there are no relationships with dealers) and are based on the value of the vehicle and the borrower&rsquo;s
creditworthiness. Vehicle loans present a higher level of risk because of the natural decline in the value of the property as
well as its mobility. Unsecured loans are based entirely on the borrower&rsquo;s creditworthiness and present the highest level
of risk to the bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Banks choose the most appropriate method for accounting for impaired loans. For secured loans, which make up the vast majority
of the loans in the banks&rsquo; portfolio, this method involves determining the fair value of the collateral, reduced by estimated
selling costs. Where appropriate, the Banks would account for impaired loans by determining the present value of expected future
cash flows discounted at the loan&rsquo;s effective interest rate.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A
loan is considered impaired when, based on current information and events, it is probable that a creditor will be unable to collect
all amounts due according to the contractual terms of the loan agreement. Although most of our loans are secured by collateral,
we rely heavily on the capacity of our borrowers to generate sufficient cash flow to service their debt. As a result, our loans
do not become collateral-dependent until there is deterioration in the borrower&rsquo;s cash flow and financial condition, which
makes it necessary for us to look to the collateral for our sole source of repayment. Collateral-dependent loans which are more
than ninety days delinquent are considered to constitute more than a minimum delay in repayment and are evaluated for impairment
under the policy at that time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
utilize updated independent appraisals to determine fair value for collateral-dependent loans, adjusted for estimated selling
costs, in determining our specific reserve. In some situations management does not secure an updated independent appraisal. These
situations may involve small loan amounts or loans that, in management&rsquo;s opinion, have an abnormally low loan-to-value ratio.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
respect to the Banks&rsquo; investment in troubled debt restructurings, multi-family and nonresidential loans, and the evaluation
of impairment thereof, such loans are nonhomogenous and, as such, may be deemed to be collateral-dependent when they become more
than 90 days delinquent. We obtain updated independent appraisals in these situations or when we suspect that the previous appraisal
may no longer be reflective of the property&rsquo;s current fair value. This process varies from loan to loan, borrower to borrower,
and also varies based on the nature of the collateral.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.
<U>Federal Home Loan Bank Stock</U>: The banks are members of the FHLB system. Members are required to own a certain amount of
stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost,
classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash
and stock dividends are reported as interest income.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.
<U>Real Estate Owned</U>: Real estate acquired through or instead of foreclosure is initially recorded at fair value less estimated
selling expenses at the date of acquisition, establishing a new cost basis. These assets are subsequently accounted for at lower
of cost or fair value less estimated costs to sell. If fair value declines subsequently, the carrying value is adjusted through
a valuation allowance and the amount is recorded through expense. Costs relating to holding real estate owned, net of rental income,
are charged against earnings as incurred.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.
<U>Premises and Equipment</U>: Land is carried at cost. Premises and equipment are carried at cost less accumulated depreciation.
The cost of premises and equipment includes expenditures which extend the useful lives of existing assets. Maintenance, repairs
and minor renewals are expensed as incurred. For financial reporting, depreciation is provided on the straight-line method over
the useful lives of the assets, estimated to be forty years for buildings, ten to forty years for building improvements, and five
to ten years for furniture and equipment. When management initiates a plan to dispose of assets, those assets are transferred
to fixed assets held for sale and evaluated for potential impairment. At June 30, 2020 and 2019, the Company has fixed assets
held for sale of $161,000 related to a branch office no longer in use and included in other assets on the balance sheet. No impairment
losses have been taken on the property.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.
<U>Income Taxes</U>: Income tax expense is the total of the current year income tax due or refundable and the change in deferred
tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences
between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. Deferred tax assets are recorded
only to the extent that the amount of net deductible temporary differences or carryforward attributes may be utilized against
current period earnings, carried back against prior years&rsquo; earnings, offset against taxable temporary differences reversing
in future periods, or utilized to the extent of management&rsquo;s estimate of future taxable income. A valuation allowance, if
needed, reduces deferred tax assets to the amount expected to be realized. Deferred tax liabilities are provided on the total
amount of net temporary differences taxable in the future.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A
tax provision is recognized as a benefit only if it is &ldquo;more likely than not&rdquo; that the tax position would be sustained
in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit
that is greater than 50% likely of being realized on examination. For tax positions not meeting the &ldquo;more likely than not&rdquo;
test, no tax benefit is recorded. The Company recognizes interest and/or penalties related to income tax matters as income tax
expense.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kentucky
First Federal Bancorp and Frankfort First Bancorp, Inc., each are subject to state income taxes in the Commonwealth of Kentucky.
Neither of the Banks are subject to state income tax in the Commonwealth until January 1, 2021, according to legislation enacted
in the spring of 2019. On March 26, 2019, Kentucky enacted H.B. 354 repealing the bank franchise tax. On April 9, 2019, Kentucky
enacted related legislation, H.B. 458, which made technical corrections to H.B. 354. Beginning on or after January 1, 2021, the
banks will be subject to the corporation income tax and limited liability entity tax (&ldquo;LLET&rdquo;) instead of the savings
and loan tax. Because the banks operate on a fiscal year, they must file a short-year corporation income tax and LLET return and
pay any tax due for the period beginning January 1, 2021 through the end of the banks&rsquo; normal fiscal year.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.
<U>Income Taxes</U>: (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
a result of this legislation, in the fiscal year ended June 30, 2019, the Company recognized an income tax benefit of $63,000
to establish its deferred taxes for Kentucky and to record the net operating losses previously generated by the Company&rsquo;s
mid-tier holding companies, which are expected to be utilized on a combined tax return. With few exceptions, the Company is no
longer subject to U.S. federal, state and local tax examinations by tax authorities for years before 2017.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.
<U>Retirement and Employee Benefit Plans</U>: The Banks participate in the Pentegra Defined Benefit Plan for Financial Institutions
(&ldquo;The Pentegra DB Plan&rdquo;), which is a tax-qualified, multi-employer defined benefit pension fund covering all employees
who qualify as to length of service. The Pentegra DB Plan&rsquo;s Employer Identification Number is 13-5645888 and the Plan Number
is 333. The Pentegra DB Plan operates as a multi-employer plan for accounting purposes and as a multiple-employer plan under the
Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. The Pentegra DB Plan is a single plan under Internal
Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities. Accordingly, under the Pentegra
DB Plan contributions made by a participating employer may be used to provide benefits to participants of other participating
employers. Total contributions made to the Pentegra DB Plan, as reported on Form 5500, equal $138.3 million and $164.6 million
for the plan years ended June 30, 2019 and 2018, respectively. Our contributions for fiscal 2020 and 2019 were not more than 5%
of the total contributions made to the Pentegra DB Plan. Pension expense is the net contributions, which are based upon covered
employees&rsquo; ages and salaries and are dependent upon the ultimate prescribed benefits of the participants and the funded
status of the plan. The Company recognized expense related to the plans totaling approximately $935,000 and $1.2 million for the
fiscal years ended June 30, 2020 and 2019, respectively. There are no collective bargaining agreements in place that require contributions
to the Pentegra DB Plan. As of July 1, 2019, the most recent period for which information is available, the Banks had an adjusted
funding target attainment percentage (&ldquo;AFTAP&rdquo;) of 86.98%. There are no funding improvement plans or surcharges to
participants. Effective July 1, 2016, sponsorship of the plan was transferred to the Company, benefits ratios were standardized
and prospectively each bank will contribute to the plan based generally on its pro rata share of future benefits. Effective April
1, 2019, the Company elected to freeze benefits to its employee participants.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company also maintains a nonqualified deferred compensation plan for the benefit of certain directors, which is closed to any
future deferrals. The expense incurred for the deferred compensation was $2,000 and $2,000 for the fiscal years ended June 30,
2020 and 2019, respectively, while the liabilities totaled $51,000 and $49,000 at June 30, 2020 and 2019, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company maintains an Employee Stock Ownership Plan (&ldquo;ESOP&rdquo;) which provides retirement benefits for substantially all
full-time employees who have completed one year of service and have attained the age of 21. Annual contributions are made to the
ESOP equal to the ESOP&rsquo;s debt service less dividends received by the ESOP on unallocated shares. Shares in the ESOP were
acquired using funds provided by a loan from the Company and, accordingly, the cost of those shares is shown as a reduction of
stockholders&rsquo; equity. Shares are released to participants proportionately as the loan is repaid. Dividends on allocated
shares are recorded as dividends and charged to retained earnings. Dividends on unallocated shares are used to repay loan principal
and accrued interest. Compensation expense is recorded equal to the fair value of shares committed to be released during a given
fiscal year. Allocation of shares to the ESOP participants is contingent upon the repayment of a loan to Kentucky First Federal
Bancorp totaling $528,000 and $765,000 at June 30, 2020 and 2019, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.
<U>Retirement and Employee Benefit Plans</U>: (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company recorded expense for the ESOP of approximately $135,000 and $144,000 for the years ended June 30, 2020 and 2019, respectively.
Shares may be surrendered from the plan as employees leave employment. Total shares surrendered from the plan totaled 194,445
and 156,787 at June 30, 2020 and 2019, respectively. The amounts contributed to the ESOP were $280,000 for each of the years 2020
and 2019.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
    the fiscal year ended</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30,</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allocated
    shares</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">104,254</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">123,241</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares
    committed to be released</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,338</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,338</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unearned
    shares</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28,936</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,607</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    ESOP shares</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">142,528</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">180,186</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    value of unearned shares at End of period</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">195,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">374,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company maintains a 401(k) plan for the benefit of all full-time employees. No employer contributions have been made to the 401(k)
plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.
<U>Earnings Per Share</U>: Diluted earnings per share is computed taking into consideration common shares outstanding and dilutive
potential common shares to be issued or released under the Company&rsquo;s share-based compensation plans. There is no adjustment
to net earnings for the calculation of diluted earnings per share. The factors used in the basic and diluted earnings per share
computations for the fiscal years ended June 30 follow:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
    the fiscal year ended</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30,</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    (loss) income allocated to common shareholders, basic and diluted</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,547,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">812,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(LOSS)
    EARNINGS PER SHARE</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1.52</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.10</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Weighted
    average common shares outstanding, basic and diluted</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,251,860</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,335,612</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basic
earnings per share is computed based upon the weighted-average shares outstanding during the year (which excludes treasury shares)
less average shares in the ESOP that are unallocated and not committed to be released. There were no options outstanding for fiscal
years 2020 and 2019.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.
<U>Fair Value of Assets and Liabilities</U>: Fair value is the exchange price that would be received for an asset or paid to transfer
a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between
market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Level
1</B> - Quoted prices in active markets for identical assets or liabilities that the entity has the ability to access as of the
measurement date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Level
2</B> - Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in
markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially
the full term of the assets or liabilities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Level
3 </B>&ndash; Significant unobservable inputs that reflect a company&rsquo;s own assumptions about the assumptions that market
participants would use in pricing an asset or liability.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Following
is a description of the valuation methodologies used for assets measured at fair value on a recurring basis and recognized in
the accompanying balance sheet, as well as the general classification of such instruments pursuant to the valuation hierarchy.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Securities</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Where
quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If
quoted market prices are not available, then fair values are estimated by using matrix pricing, which is a mathematical technique
widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities
but rather by relying on the securities&rsquo; relationship to other benchmark quoted securities (Level 2 inputs).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table presents the fair value measurements of assets and liabilities measured at fair value on a recurring basis at
June 30, 2020 and 2019. The securities represented are only those classified as available-for sale.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value Measurements Using</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quotes
    Prices</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    Active</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Markets
    for</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Identical</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Observable</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    1)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    2)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    3)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    bonds</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">503</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">503</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    mortgage-backed: residential</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">U.S.
    Treasury notes</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">497</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">497</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    bonds</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">505</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">505</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    mortgage-backed: residential</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">There
were no transfers between levels 1 and 2.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.
<U>Fair Value of Assets and Liabilities</U> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Following
is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and
recognized in the accompanying consolidated balance sheet, as well as the general classification of such assets pursuant to the
valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported
fair value is described below.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Impaired
Loans</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent independent
real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable
sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences
between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level
3 classification of the inputs for determining fair value and totaled $0 and $13,000 for the years ended June 30, 2020 and 2019,
respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Independent
appraisals for collateral-dependent loans are updated periodically (usually every 12-24 months depending on the size of the loan
and the loan-to-value ratio).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.
<U>Fair Value of Assets and Liabilities</U> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Real
Estate Owned</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real
estate properties acquired through or instead of loan foreclosure are initially recorded as real estate owned (&ldquo;REO&rdquo;)
at fair value, less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at
lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which
are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches
including comparable sales and the income approach with data from comparable properties. Adjustments are routinely made in the
appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available.
Such adjustments were $36,000 and $66,000 for the fiscal years 2020 and 2019, respectively, and resulted in a Level 3 classification
of the inputs for determining fair value.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table presents the fair value measurements of assets and liabilities measured at fair value on a nonrecurring basis
at June 30, 2020 and 2019.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value Measurements Using</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quotes
    Prices</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    Active</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Markets
    for</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Identical</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Observable</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    1)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    2)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    3)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>2020</U></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    real estate owned, net</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; width: 52%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">465</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">465</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>2019</U></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">593</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">593</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
    real estate owned, net</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.
<U>Fair Value of Assets and Liabilities</U> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at
fair value on a non-recurring basis at June 30, 2020 and 2019:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Range</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Valuation</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Weighted</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2020</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Technique(s)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Input(s)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average)</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 25%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Foreclosed
    and repossessed assets:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 20%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">465</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-2.7%
    to 41.2% (20.4%)</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>

<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Range</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Valuation</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Weighted</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2019</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Technique(s)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Input(s)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average)</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;Loans:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; width: 25%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">593</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25.3%
    to -50.6% (-0.6%)</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Foreclosed
    and repossessed assets:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.6%
    to 31.0% (29.0%)</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following disclosure of the fair value of financial instruments, both assets and liabilities, whether or not recognized in the
consolidated balance sheet, is based on the assumptions presented for each particular item and for which it is practicable to
estimate that value. For financial instruments where quoted market prices are not available, fair values are based on estimates
using present value and other valuation methods.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
methods used are greatly affected by the assumptions applied, including the discount rate and estimates of future cash flows.
Therefore, the fair values presented may not represent amounts that could be realized in an exchange for certain financial instruments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.
<U>Fair Value of Assets and Liabilities</U> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company&rsquo;s financial instruments at June 30, 2020 and 2019 are as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value Measurements at</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><B>Carrying</B></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2020 Using</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Value</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    1</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    2</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    3</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
    assets</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash
    and cash equivalents</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time
    deposits in other financial institutions</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,229</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,252</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,252</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available-for-sale
    securities</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">541</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">541</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">541</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
    securities</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">598</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">611</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">611</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    held for sale</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">667</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    receivable - net</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">285,887</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">295,431</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">295,431</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
    Home Loan Bank stock</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,498</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">n/a</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
    interest receivable</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">830</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">830</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">830</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
    liabilities</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">212,273</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">78,118</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">135,000</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">213,118</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
    Home Loan Bank advances</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54,715</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,416</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,416</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Advances
    by borrowers for taxes and insurance</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">800</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">800</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">800</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
    interest payable</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD COLSPAN="5" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value Measurements at</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><B>Carrying</B></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2019 Using</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Value</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    1</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    2</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    3</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
    assets</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash
    and cash equivalents</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time
    deposits in other financial institutions</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,962</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,963</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,963</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available-for-sale
    securities</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,045</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,045</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,045</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
    securities</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    receivable - net</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">280,969</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">285,700</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">285,700</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
    Home Loan Bank stock</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,482</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">n/a</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
    interest receivable</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">758</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">758</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">758</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
    liabilities</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">195,836</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">69,944</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">123,920</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">193,864</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
    Home Loan Bank advances</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,703</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,719</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,719</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Advances
    by borrowers for taxes and insurance</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">763</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">763</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">763</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
    interest payable</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B>&nbsp;&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.
<U>Cash and Cash Equivalents</U>: For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks
and interest-bearing deposits in other financial institutions with original maturities of less than ninety days.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15.
<U>Goodwill</U>: Goodwill of $14.5 million was originally recorded in March 2005 when the Company, as part of its initial public
offering, purchased Frankfort First Bancorp, Inc., with a portion of the stock and cash proceeds from the offering. Goodwill and
intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized,
but tested for impairment at least annually. The Company has selected March 31 as the date to perform its annual impairment test
with more frequent monitoring if circumstances warrant. Intangible assets with definite useful lives are amortized over their
estimated useful lives to their estimated residual values. Goodwill is the only intangible asset with an indefinite life on our
balance sheet. The Company adopted ASU No. 2017-04, <I>Intangibles-Goodwill and Other (Topic 350) Simplifying the Test for Goodwill
Impairment, </I>effective April 1, 2020.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16.
<U>Cash Surrender Value of Life Insurance</U>: First Federal of Kentucky has purchased life insurance policies on certain key
executives. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance
sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17.
<U>Treasury Stock</U>: Treasury stock is stated at cost. Cost is determined by the first-in, first-out method.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18.
<U>Related Party Transactions</U>: Loans outstanding to executive officers, directors, significant shareholders and their affiliates
(related parties) at June 30, 2020 and 2019 are summarized as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outstanding
    principal, beginning of year</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,246</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">845</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes
    in composition of related parties</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(129</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Principal
    disbursed during the year</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">538</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Principal
    repaid and refinanced during the year</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(70</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(137</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outstanding
    principal, end of year</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,047</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,246</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits
from related parties held by the Company at June 30, 2020 and 2019 totaled $3.3 million and $2.2 million, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19.
<U>Comprehensive Income and Accumulated Comprehensive Income</U>: Comprehensive income consists of net income and other comprehensive
income. Other comprehensive income includes unrealized gains and losses on securities available for sale, net of tax, for the
period which are also recognized as separate components of equity. Accumulated comprehensive income consists solely of unrealized
gain or loss on available-for-sale securities at the end of the period.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.
<U>Revenue Recognition</U>: The Company&rsquo;s revenue-generating activities accounted for under Topic 606 includes primarily
service charges and fees on deposits and other service charges and fees and comprise the majority of other non-interest income
on the statement of income. Service charges and fees on deposits are primarily overdraft fees, dormant account fees, and service
charges on checking and savings accounts. Overdraft fees are recognized at the time an account is overdrawn. Dormant account fees
are recognized when an account is inactive for at least 365 days. Service charges on checking and savings accounts are primarily
account maintenance services performed and recognized in the same calendar month. Other deposit-based service charges and fees
include transaction-based services completed at the request of the customer and recognized at the time the transaction is completed.
These transaction-based services include ATM usage and stop payment services. All service charges and fees on deposits are withdrawn
from the customer&rsquo;s account at the time the service is provided.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21.
<U>Loss Contingencies</U>: Loss contingencies, including claims and legal actions arising in the ordinary course of business,
are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Management does not believe there now are such matters that will have a material effect on the financial statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22.
<U>Loan Commitments and Related Financial Instruments</U>: Financial instruments include off-balance sheet credit instruments,
such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for
these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments
are recorded when they are funded.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.
<U>Dividend Restriction</U>: Banking regulations require maintaining certain capital levels and may limit the dividends paid by
the banks to the holding company or by the holding company to shareholders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24.
<U>Operating Segments</U>: While the chief decision-makers monitor the revenue streams of the various products and services, operations
are managed and financial performance is evaluated on a Company-wide basis. Operating segments are aggregated into one as operating
results for all segments are similar. Accordingly, all of the financial service operations are considered by management to be
aggregated in one reportable operating segment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25.
<U>Reclassifications</U>: Some items in the prior year financial statements were reclassified to conform to the current presentation.
Reclassifications had no effect on prior year net income or shareholders&rsquo; equity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26.
<U>New Accounting Standards:</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>FASB
ASC 326 -</I></B> In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments &ndash; Credit Losses (Topic 326): Measurement
of Credit Losses on Financial Instruments.&nbsp; The final standard will change estimates for credit losses related to financial
assets measured at amortized cost such as loans, held-to-maturity debt securities, and certain other contracts. For estimating
credit losses, the FASB is replacing the incurred loss model with an expected loss model, which is referred to as the current
expected credit loss (CECL) model. The Company will now use forward-looking information to enhance its credit loss estimates.
The amendment requires enhanced disclosures to aid investors and other users of financial statements to better understand significant
estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of our portfolio.
The largest impact to the Company will be on its allowance for loan and lease losses, although the ASU also amends the accounting
for credit losses on available-for-sale debt securities, held-to-maturity securities, and purchased financial assets with credit
deterioration. The standard is effective for public companies for annual periods and interim periods within those annual periods
beginning after December 15, 2019. However, the FASB has delayed the implementation of the ASU for smaller reporting companies
until years beginning after December 15, 2022, or in the Company&rsquo;s case the fiscal year beginning July 1, 2023.&nbsp; ASU
2016-13 will be applied through a cumulative effect adjustment to retained earnings (modified-retrospective approach), except
for debt securities for which an other-than-temporary impairment had been recognized before the effective date. A prospective
transition approach is required for these debt securities. We have formed a functional committee that is assessing our data and
system needs and are evaluating the impact of adopting the new guidance. We expect to recognize a one-time cumulative effect adjustment
to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but
cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated
financial statements. However, the Company does expect ASU 2016-13 to add complexity and costs to its current credit loss evaluation
process.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>FASB
ASC 842 &ndash;</I></B> In March 2017, the FASB issued ASU No. 2016-02, <I>Leases (Topic 842). </I>This guidance changes lease
accounting by introducing the core principle that a lessee should recognize the assets and liabilities that arise from operating
leases under the premise that all leases create an asset and a liability for the lessee in accordance with FASB Concepts Statement
No. 6, <I>Elements of Financial </I>Statements. The Company adopted this ASU effective July 1, 2019, with no recordation of right-to-use
lease assets or operating lease liabilities, because the level of operating leases was determined to be immaterial.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>FASB
ASC 350 &ndash;</I></B> In January 2017, the FASB issued ASU No. 2017-04, <I>Intangibles-Goodwill and Other (Topic 350) Simplifying
the Test for Goodwill Impairment. </I>This guidance modifies the concept of impairment from the condition that exists when the
carrying amount of goodwill exceeds its implied fair value to the condition that exists when the carrying amount of a reporting
unit exceeds its fair value. For public business entities, the amendments in this update are effective for fiscal years, and the
interim periods within those fiscal years, beginning after December 15, 2019. The Company adopted ASU No. 2017-04 effective April
1, 2020, and recorded a goodwill impairment charge, which had no tax impact, of $13.6 million, or $1.64 per common share, during
the quarter ended June 30, 2020, which represented 93.5% of goodwill previously reported.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26.
<U>New Accounting Standards:</U> continued</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>FASB
ASC 820 &ndash;</I></B> In August 2018, the FASB issued ASU No. 2018-13, <I>Fair Value Measurement (Topic 820) Disclosure Framework-Changes
to the Disclosure Requirements for Fair Value Measurement. </I>This guidance reduces the level of detail surrounding the processes
used by the Company in determining the fair value of some of its assets. For public business entities, the amendments in this
update are effective for fiscal years, and the interim periods within those fiscal years, beginning after December 15, 2019, or
July 1, 2020, with respect to the Company.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>FASB
ASC 740&ndash;</I></B> In December 2019, the FASB issued ASU 2019-12, <I>Income Taxes (Topic 740), Simplifying the Accounting
for Income Taxes. </I>The amendments in this ASU removes certain exceptions for recognizing deferred taxes for investments, performing
intraperiod allocation and calculating income taxes during interim periods. The ASU also adds guidance to reduce complexity in
certain areas, including recognizing deferred taxes for tax goodwill and allocating taxes to members of a consolidated group.
For public business entities, the amendments in this ASU are effective for fiscal years, and interim periods within those fiscal
years, beginning after December 15, 2020, or July 1, 2021, with respect to the Company. Early adoption is permitted. We do not
anticipate a significant impact to our consolidated financial statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have
a material impact on the Company&rsquo;s financial position, results of operations or cash flows.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
B &ndash; SECURITIES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table summarizes the amortized cost and fair value of the available for sale securities and held to maturity investment
securities portfolio at June 30, 2020 and 2019 and the corresponding amounts of gross unrealized or unrecognized gains and losses.
Unrealized gains or losses apply to available-for-sale securities and are recognized in accumulated other comprehensive income,
while unrecognized gains or losses on held-to-maturity securities are not recognized in the financial statements. The gains and
losses are as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortized
    cost</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gross
    unrealized/ unrecognized gains</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gross
    unrealized/ unrecognized losses</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Estimated<BR>
fair value</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available-for-sale
    Securities</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    bonds</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">500</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">503</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    mortgage-backed:residential</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">538</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">541</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
    Securities</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    mortgage-backed: residential</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">598</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">611</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortized
    cost</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gross
    unrealized/ unrecognized gains</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gross
    unrealized/ unrecognized losses</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Estimated
    fair value</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available-for-sale
    Securities</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">U.S.
    Treasury securities</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">496</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">497</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    bonds</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">501</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">505</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    mortgage-backed: residential</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,040</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,045</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
    Securities</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    mortgage-backed: residential</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
June 30, 2020, the Company&rsquo;s debt securities consisted of a single agency bond and mortgage-backed securities, which do
not have a single maturity date. The bond, which had an amortized cost of $500,000 and a fair value of $503,000 at June 30, 2020,
matures within one year. Actual maturities may differ from contractual maturities, because borrowers may have the right to call
or prepay obligations with or without call or prepayment penalties. Securities without a single maturity, primarily mortgage-backed,
are not shown.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
B &ndash; SECURITIES</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">There
were no sales of securities during the fiscal year ended June 30, 2020 or 2019. At June 30, 2020 the Company had $67,000 in held-to-maturity
mortgage-backed securities with gross unrealized losses of $3,000, while at June 30, 2019, the Company had $545,000 in held-to-maturity
mortgage-backed securities with gross unrealized losses of $14,000. Unrealized losses on agency mortgage-backed securities have
not been recognized into income because they are of high credit quality (rated AA or higher), management does not intend to sell
and it is likely that management will not be required to sell the securities prior to their anticipated recovery, and the decline
in fair value is largely due to changes in interest rates and other market conditions. The fair value is expected to recover as
the investments reach maturity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
June 30, 2020 and 2019, pledged securities totaled $1.9 million and $2.0 million, respectively. At June 30, 2020 and 2019, the
pledged total included time deposits and/or overnight deposits of $1.5 million and $1.5 million, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
C - LOANS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
composition of the loan portfolio at June 30 was as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">222,489</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">216,066</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,373</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,928</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Construction</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,045</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,757</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Land</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">765</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">852</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,354</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,157</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
    real estate</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33,503</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30,419</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Commercial
    and industrial</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,214</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,075</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer
    and other</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    on deposits</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,245</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,415</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home
    equity</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,645</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,214</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Automobile</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">91</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unsecured</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">675</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">451</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">287,375</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">282,425</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance
    for loan losses</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,488</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,456</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">285,887</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">280,969</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
C - LOANS</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio class
and based on impairment method as of June 30, 2020 and 2019. There were $751,000 and $949,000 in loans acquired with deteriorated
credit quality at June 30, 2020 and 2019, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2020:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    individually evaluated</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    acquired with deteriorated credit quality*</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending
    loans balance</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending
    allowance attributed to loans</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unallocated
    allowance</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    allowance</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    individually evaluated for impairment:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 28%; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,983</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">751</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,734</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">671</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">671</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Construction</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
    real estate</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">660</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">660</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,686</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">751</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,437</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -0.125in; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    collectively evaluated for impairment:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">217,755</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">671</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">671</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11,702</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">184</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">184</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Construction</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,982</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Land</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">765</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,045</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
    real estate</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32,843</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">405</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">405</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Commercial
    and industrial</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,214</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer
    and other</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    on deposits</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,245</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home
    equity</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,645</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Automobile</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unsecured</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">675</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unallocated</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">280,938</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,288</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,488</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">287,375</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,288</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,488</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*
These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration
since acquisition.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;</B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
C - LOANS</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2019:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    individually evaluated</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    acquired with deteriorated credit quality*</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending
    loans balance</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending
    allowance attributed to loans</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unallocated
    allowance</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    allowance</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    individually evaluated for impairment:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 28%; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,837</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">949</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,786</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
    real estate</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">683</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">683</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,514</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">949</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,463</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    collectively evaluated for impairment:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">210,595</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,928</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Construction</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,757</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Land</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">852</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,848</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
    real estate</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29,736</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">336</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">336</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Commercial
    and industrial</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,075</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer
    and other</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    on deposits</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,415</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home
    equity</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,214</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Automobile</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">91</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unsecured</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">451</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unallocated</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">275,962</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,256</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,456</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">282,425</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,256</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,456</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;&nbsp;&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*
These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration
since acquisition.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B>&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>NOTE
C - LOANS</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following tables present impaired loans by class of loans as of and for the years ended June 30, 2020 and 2019:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>June
30, 2020:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unpaid
    Principal Balance and Recorded Investment</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance
    for Loan Losses Allocated</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average
    Recorded Investment</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
    Income Recognized</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Cash
                                         Basis</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Recognized</B></FONT></P></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
    no related allowance recorded:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,734</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,713</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">172</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">172</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">671</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">679</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Construction</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
    real estate</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">660</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">701</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,437</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,415</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">262</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">262</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>June
30, 2019:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unpaid
    Principal Balance and Recorded Investment</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance
    for Loan Losses Allocated</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average
    Recorded Investment</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
    Income Recognized</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Cash
                                         Basis</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Income</B></FONT></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Recognized</B></FONT></P></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
    no related allowance recorded:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,786</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,449</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">226</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">226</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">343</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">310</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
    real estate</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">683</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">403</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,463</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,505</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">259</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">259</FONT></TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
C - LOANS</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual status by class
of loans as of June 30, 2020 and 2019. The tables include loans acquired with deteriorated credit quality. At June 30, 2020, the
table below includes approximately $508,000 of loans on nonaccrual and no loans past due over 90 days and still accruing of loans
acquired with deteriorated credit quality, while at June 30, 2019, approximately $369,000 of loans on nonaccrual and no loans
past due over 90 days and still accruing represent such loans.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify; text-indent: -9.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
    30, 2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
    30, 2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonaccrual</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans
    Past Due Over 90 Days Still Accruing</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonaccrual</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans
    Past Due Over 90 Days Still Accruing</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Residential real estate:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">One-
    to four-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,458</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,135</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,545</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,747</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Multi-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">671</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">685</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Construction</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">63</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Farm</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">309</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">309</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonresidential real estate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">660</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">683</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">49</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commercial and industrial</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consumer</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">95</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,260</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,135</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,232</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,796</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">One-
to four-family loans in process of foreclosure totaled $694,000 and $1.2 million at June 30, 2020 and 2019, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Troubled
Debt Restructurings:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">A
Troubled Debt Restructuring (&ldquo;TDR&rdquo;) is the situation where the Bank grants a concession to the borrower that the Banks
would not otherwise have considered due to the borrower&rsquo;s financial difficulties. All TDRs are considered &ldquo;impaired.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
provisions of the CARES Act included an election to not apply the guidance on accounting for troubled debt restructurings to loan
modifications, such as extensions or deferrals, related to COVID-19 made between March 1, 2020 and the earlier of (i) December
31, 2020 or (ii) 60 days after the end of the COVID-19 national emergency. The relief can only be applied to modifications for
borrowers that were not more than 30 days past due as of December 31, 2019. The Company elected to adopt these provisions of the
CARES Act.&nbsp;In response to the Covid-19 pandemic and the widespread economic downturn that immediately resulted, the Company
adopted a loan forbearance plan in which then-current affected borrowers could request deferral of their loan payments for a period
of three months. A total of $17.3 million in loans were accepted into the plan through June 30, 2020, of which approximately $14.1
million have reached their three-month deferral date. Of those loans which have reached the end of their deferral period approximately
$13.8 million or 97.7% have returned to regular payment status.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
C - LOANS</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">At
June 30, 2020 and 2019, the Company had $1.9 million and $1.6 million of loans classified as TDRs, respectively. Of the TDRs at
June 30, 2020, approximately 26.2% were related to the borrower&rsquo;s completion of Chapter 7 bankruptcy proceedings with no
reaffirmation of the debt to the Banks.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">During
the year ended June 30, 2020, the Company had six loans restructured as TDRs. One borrower refinanced a piece of one- to four-family,
non-owner occupied, residential property to bring to current amounts owed on other loans with the Bank. Because the borrower&rsquo;s
financial condition had deteriorated, it was unlikely that the borrower could have secured financing elsewhere. The restructured
loan is collateralized and cross-collateralized by real estate. Three single family residential borrowers filed for Chapter 7
bankruptcy protection and did not reaffirm the debts personally, although the Company&rsquo;s collateral position remains intact.
Finally, a first and second mortgage on an 8-plex were refinanced into a single loan with a slightly extended maturity term and
a lower interest rate, which was consistent with similarly-priced comparable loans at the time of refinance.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">During
the year ended June 30, 2019, the terms of two one- to four family residential real estate loans totaling $323,000 were modified
as troubled debt restructurings (&ldquo;TDRs.&rdquo;) One loan totaling $248,000 was refinanced with $30,000 cash out because
of cost overruns associated with construction of two four-plexes. This loan was part of an overall credit facility maintained
for the construction project. The credit facility is secured by the project real estate as well as additional real estate. The
loan was classified as a TDR because of payment delays experienced by the borrower. Subsequent to June 30, 2019, an updated appraisal
showing adequate loan-to-value in support of the project was obtained. One loan totaling $75,000 was modified with $15,000 cash
out and an extension of the loan term to enable the borrower to consolidate debts and establish acceptable debt service obligations
after a period of unemployment. Although the interest rate on this loan was the same rate offered to other customers at the time,
the credit was determined to be a TDR because the borrower&rsquo;s credit worthiness had deteriorated. Because the restructured
loan bears interest at the same rate offered to other such borrowers and the repayment period was extended slightly, the borrower
is expected to be able to service the debt as restructured.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">In
order to determine whether a borrower is experiencing financial difficulty, we consider the probability that the borrower will
be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under
the Company&rsquo;s internal underwriting policy.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
Company had no allocated specific reserves to customers whose loan terms have been modified in troubled debt restructurings as
of June 30, 2020 or 2019. At June 30, 2020 and 2019, TDR loans on nonaccrual status totaled $1.8 million and $1.3 million, respectively.
The Company had no commitments to lend additional amounts as of June 30, 2020 and 2019, to customers with outstanding loans that
are classified as troubled debt restructurings. The Company had no TDR loans which defaulted during fiscal 2020 or during fiscal
2019.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
C - LOANS</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
following tables present the aging of the principal balance outstanding in accruing past due loans as of June 30, 2020 and 2019,
by class of loans. The tables include loans acquired with deteriorated credit quality. At June 30, 2020, the table below includes
$101,000 in loans 30-89 days past due and approximately $28,000 of loans past due over 90 days that were acquired with deteriorated
credit quality, while at June 30, 2019, the table below includes no loans 30-89 days past due and approximately $13,000 of loans
past due over 90 days of such loans.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>June
30, 2020:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">30-89
    Days Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Greater
    than 90 Days Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans
    Not Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Residential real estate:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">One-to
    four-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,546</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,670</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,216</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">217,273</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">222,489</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Multi-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,373</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,373</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Construction</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">192</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">63</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">255</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,790</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,045</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Land</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">765</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">765</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Farm</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">107</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">309</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">416</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,938</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,354</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonresidential real estate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">57</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">253</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">310</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">33,193</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">33,503</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commercial and industrial</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,214</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,214</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consumer and other:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans on deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,245</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,245</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Home equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">255</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">90</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">345</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7,300</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7,645</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Automobile</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">67</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">67</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unsecured</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">675</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">675</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,157</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,385</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,542</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">280,833</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">287,375</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>June
30, 2019:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">30-89
    Days Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Greater
    than 90 Days Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans
    Not Past Due</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Residential real estate:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">One-to
    four-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,021</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,479</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7,500</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">208,566</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">216,066</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Multi-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">248</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">248</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15,680</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15,928</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Construction</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">753</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">753</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,004</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,757</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Land</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">852</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">852</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Farm</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,155</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,157</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonresidential real estate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">362</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">49</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">411</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30,008</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30,419</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commercial and industrial</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,075</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,075</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consumer and other:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans on deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,415</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,415</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Home equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">38</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">38</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,176</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,214</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Automobile</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">83</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">91</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unsecured</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">451</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">451</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,184</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,776</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,960</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">273,465</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">282,425</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
C - LOANS</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Credit
Quality Indicators:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt
such as: current financial information, historical payment experience, credit documentation, public information, and current economic
trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis
is performed on an annual basis. The Company uses the following definitions for risk ratings:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Special
Mention.</B> Loans classified as special mention have a potential weakness that deserves management&rsquo;s close attention. If
left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution&rsquo;s
credit position at some future date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Substandard.
</B>Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or
of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation
of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies
are not corrected.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Doubtful.
</B>Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic
that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly
questionable and improbable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans
not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass
rated loans. Loans listed that are not rated are included in groups of homogeneous loans and are evaluated for credit quality
based on performing status. See the aging of past due loan table above. As of June 30, 2020, and 2019, and based on the most recent
analysis performed, the risk category of loans by class of loans was as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">June 30, 2020:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Pass</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Special
    Mention</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Substandard</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Doubtful</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Residential real estate:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">One-
    to four-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">215,010</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">742</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,737</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Multi-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,702</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">671</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Construction</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,982</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">63</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Land</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">765</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Farm</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,045</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">309</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonresidential real estate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">31,529</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">939</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,035</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commercial and industrial</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,188</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consumer and other:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans on deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,245</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Home equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7,505</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">39</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">101</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Automobile</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">67</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unsecured</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">670</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">276,708</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,720</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,947</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
C - LOANS</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">June 30, 2019:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Pass</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Special
    Mention</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Substandard</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Doubtful</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Residential real estate:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">One-
    to four-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">206,489</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">894</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,683</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Multi-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15,243</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">685</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Construction</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,757</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Land</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">852</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Farm</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,848</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">309</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonresidential real estate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">28,990</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">746</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">683</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commercial and industrial</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,584</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">491</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consumer and other:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans on deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,415</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Home equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,053</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">137</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">24</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Automobile</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">91</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unsecured</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">446</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">269,768</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,777</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">10,880</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
C - LOANS</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0 0pt 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
following tables present the activity in the allowance for loan losses by portfolio segment for the years ended June 30, 2020
and 2019:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>June
30, 2020:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Beginning
    balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Provision
    for loan losses</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans
    charged off</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Recoveries</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ending
    balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Residential real estate:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">One-
    to four-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">685</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">49</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(65</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">671</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Multi-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(16</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">184</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Construction</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Land</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Farm</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonresidential real estate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">336</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">69</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">405</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commercial and industrial</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consumer and other:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans on deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Home equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">14</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Auto</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unsecured</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unallocated</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Totals</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,456</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">103</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(73</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,488</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>June
30, 2019:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Beginning
    balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Provision
    for loan losses</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans
    charged off</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Recoveries</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ending
    balance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Residential real estate:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">One-
    to four-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">795</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">41</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(190</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">39</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">685</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Multi-family</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">225</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(25</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Construction</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Land</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Farm</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonresidential real estate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">321</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">336</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commercial and industrial</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consumer and other:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans on deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Home equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">14</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unsecured</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(21</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">20</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unallocated</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Totals</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,576</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(190</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">59</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,456</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
C - LOANS</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Purchased
Loans:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
Company purchased loans during the fiscal year ended June 30, 2013 for which there was, at acquisition, evidence of deterioration
of credit quality since origination and it was probable, at acquisition, that all contractually required payments would not be
collected. The carrying amount of those loans, net of a purchase credit discount of $351,000 and $351,000, at June 30, 2020 and
2019, respectively, was as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Residential
    real estate:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 76%; font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">One-
    to four-family</FONT></TD><TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="width: 9%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">751</FONT></TD><TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="width: 9%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">949</FONT></TD><TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Accretable
yield, or income expected to be collected on loans purchased during fiscal year 2013, for the years ended June 30 was as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance at beginning
    of year</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">544</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">634</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Accretion
    of income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(97</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(90</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance at end
    of year</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">447</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">544</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">For
those purchased loans disclosed above, the Company made no increase in allowance for loan losses for the years ended June 30,
2020 or 2019, nor were any allowance for loan losses reversed during those years. .</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
D &ndash; REAL ESTATE OWNED</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Activity
in real estate owned for the years ended June 30 was as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance at beginning
    of year</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">710</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">710</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loans transferred to real estate
    owned</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">304</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">347</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Capitalized expenditures</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">44</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">98</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Valuation adjustments</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(36</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(66</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Disposals</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(382</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(379</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance at end
    of year</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">640</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">710</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
E - PREMISES AND EQUIPMENT</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Premises
and equipment at June 30 are comprised of the following:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Land</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,516</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,516</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Buildings and improvements</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,493</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,492</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Furniture and equipment</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,204</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,134</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Automobiles</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">36</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">36</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">10,249</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">10,178</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Less: accumulated
    depreciation</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,333</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,150</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Balance at end
    of year</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,916</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,028</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
F - GOODWILL</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Goodwill
of $14.5 million was originally recorded in March 2005 when the Company, as part of its initial public offering, purchased Frankfort
First Bancorp, Inc., with a portion of the stock and cash proceeds from the offering. The Company has $14.5 million of goodwill
net of impairment losses of $13.6 million and $0 at June 30, 2020 and 2019, respectively. During the fiscal year ended June 30,
2020, a prolonged decline in the stock price of the Company exacerbated by the COVID-19 pandemic and its related economic impact
led to management&rsquo;s performance of a goodwill impairment analysis as of June 30, 2020. Based on the results of this analysis
and in conjunction with management&rsquo;s early adoption of ASU 2017-04, <I>Intangibles-Goodwill and Other (Topic 350): Simplifying
the Test for Goodwill Impairment</I>, the estimated fair value of the Company was less than book value, resulting in a $13.6 million
goodwill impairment charge. Goodwill impairment exists when a Company&rsquo;s reporting unit&rsquo;s carrying value of goodwill
exceeds its fair value. The estimated fair value of the Company was determined based on a combination of methods including discounted
cash flows of forecasted earnings and estimated sales price based on recent observable market transactions of similar securities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
G - DEPOSITS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Deposits
consist of the following major classifications at June 30:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Non-interest bearing
    checking accounts</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,258</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5,534</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Checking accounts</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15,133</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13,126</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Savings accounts</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">45,571</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">43,228</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Money market
    demand deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,156</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,056</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total demand, transaction
    and passbook deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">78,118</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">69,944</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Certificates
    of deposit</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">134,155</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">125,892</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">212,273</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">195,836</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">At
June 30, 2020 and 2019, the Banks had certificate of deposit accounts with balances equal to or in excess of $250,000 totaling
approximately $13.0 million and $9.8 million, respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
G - DEPOSITS</B> (continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Maturities
of outstanding certificates of deposit at June 30 are summarized as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 88%; font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2021</FONT></TD><TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="width: 9%; font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">92,489</FONT></TD><TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2022</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30,819</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2023</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">7,795</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2024</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,098</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">2025
    and thereafter</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,954</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">134,155</FONT></TD><TD STYLE="padding-bottom: 4pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
H - ADVANCES FROM THE FEDERAL HOME LOAN BANK</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Advances
from the Federal Home Loan Bank, collateralized at June 30, 2020 and 2019 by pledges of certain qualifying residential mortgage
loans totaling $172.0 million and $86.8 million, respectively, and the Banks&rsquo; investment in Federal Home Loan Bank stock,
are summarized as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Maturing
    year ending June 30</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 88%; font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2021</FONT></TD><TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="width: 9%; font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">28,342</FONT></TD><TD STYLE="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2022</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,307</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2023</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,679</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2024</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,659</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2025</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,643</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2026</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">31</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">2027</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">2028-2032</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">32</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">54,715</FONT></TD><TD STYLE="padding-bottom: 4pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">At
June 30, 2020 interest rates for advances were fixed ranging from 0.21% to 2.30%, with a weighted-average interest rate of 0.99%.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">At
June 30, 2019 interest rates for advances were fixed ranging from 2.11% to 2.41%, with a weighted-average interest rate of 2.39%.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Each
advance is payable at its maturity date, with a prepayment penalty for fixed rate advances. Based on collateral composed of first
mortgage loans and the Company&rsquo;s holdings of FHLB stock, the Company was eligible to borrow up to $74.6 million as of June
30, 2020. In addition, we have the ability to borrow from the Federal Reserve Bank Discount Window. At June 30, 2020, based on
home equity loans and share loans we had pledged collateral which would enable us to borrow up to $4.8 million. First Federal
Savings Bank of Kentucky at June 30, 2020, had a $5.0 million Fed Funds line of credit with the Bankers&rsquo; Bank of Kentucky.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
I - FEDERAL INCOME TAXES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Federal
income taxes on earnings differs from that computed at the statutory corporate tax rate for the years ended June 30, 2020 and
2019, as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Federal income taxes at
    the statutory rate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(2,579</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">200</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Increase (decrease) resulting primarily
    from:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cash surrender value
    of life insurance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(16</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(15</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Deferred tax liability
    adjustment, net, resulting from Kentucky tax legislation</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">14</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(63</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Goodwill impairment</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,848</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Other</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">19</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">264</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">141</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
composition of the Company&rsquo;s net deferred tax liability at June 30 is as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Taxes (payable refundable on temporary
    differences at estimated corporate tax rate:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Deferred tax assets:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">General
    loan loss allowance</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">371</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">363</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Accrued expenses</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">164</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">113</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fair value accounting
    adjustments on acquisition</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">199</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">223</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Nonaccrued interest
    on loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">118</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">102</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Other real estate
    owned adjustments</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">17</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">16</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Depreciation</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">37</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">38</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Charitable contributions</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">State
    net operating loss carryforward</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">170</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total deferred
    tax assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">918</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,025</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Deferred tax liabilities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Federal Home Loan
    Bank stock dividends</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(981</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(981</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Deferred loan origination
    costs</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(33</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(48</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loan servicing rights</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(24</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(18</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Accrual to cash adjustment</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(170</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(127</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fair
    value accounting adjustments on acquisition</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(547</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(552</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    deferred tax liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1,755</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1,726</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    deferred tax liability</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(837</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(701</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">As
discussed in Note A, in the fiscal year ended June 30, 2019, the Company recognized a tax benefit of $63,000 as a result of the
tax legislation enacted by the Commonwealth of Kentucky in spring 2019. As a result of HB 458 on combined reporting, the Company
recorded a deferred tax asset for the state net operating loss carryforward. The losses are expected to be utilized when the Company
begins filing a combined Kentucky income tax return with the Banks. The loss carryforward expires beginning 2032.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
I - FEDERAL INCOME TAXES </B>(continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Prior
to 1997, the Banks were allowed a special bad debt deduction, generally limited to 8% of otherwise taxable income, and subject
to certain limitations based on aggregate loans and deposit account balances at the end of the year. If the amounts that qualified
as deductions for federal income taxes are later used for purposes other than bad debt losses, including distributions in excess
of accumulated earnings and profits, such distributions will be subject to federal income taxes at the then current corporate
income tax rate. Retained earnings at June&nbsp;30, 2020, include approximately $5.2 million for which federal income taxes have
not been provided. The amount of unrecognized deferred tax liability relating to the cumulative bad debt deduction was approximately
$1.3 million at June 30, 2020.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
J - LOAN COMMITMENTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
Banks are a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing
needs of their customers, including commitments to extend credit. Such commitments involve, to varying degrees, elements of credit
and interest-rate risk in excess of the amount recognized in the consolidated statements of financial condition. The contract
or notional amounts of the commitments reflect the extent of the Banks&rsquo; involvement in such financial instruments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
Banks&rsquo; exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments
to extend credit is represented by the contractual notional amount of those instruments. The Banks use the same credit policies
in making commitments and conditional obligations as those utilized for on-balance-sheet instruments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">At
June 30, 2020 and 2019, the Banks had the following outstanding loan commitments:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">(in
    thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fixed</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Variable</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Fixed</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Variable</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unused commitment:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Revolving,
    open-end lines secured by real estate</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">10,354</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,520</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commitments to fund real estate construction
    loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">854</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,443</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,715</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,386</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Other unused commitment:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commercial and
    industrial loans</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,541</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,156</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Other</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,576</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,454</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,145</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,240</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Letters of credit</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Commitments
to make loans are generally made for periods of 60 days or less. The fixed rate loan commitments at June 30, 2020 totaled $854,000
and had interest rates ranging from 3.25% to 6.00% and maturities ranging from 1 year to 30 years. The fixed rate loan commitments
at June 30, 2019 totaled $2.7 million and had interest rates ranging from 3.75% to 7.00% with maturities ranging from 7 years
to 20 years.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
K &ndash; STOCKHOLDERS&rsquo; EQUITY AND REGULATORY CAPITAL </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Qualified
Thrift Lender &ndash; </B>Federal regulations require the Banks comply with the Qualified Thrift Lender (&ldquo;QTL&rdquo;) test,
which requires that 65% of assets be maintained in housing-related finance and other specified assets. If the QTL test is not
met, limits are placed on growth, branching, new investment, FHLB advances, and dividends or the institutions must convert to
a commercial bank charter. Management believes that the QTL test has been met.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Dividend
Restrictions &ndash; </B>Dividends from the Banks are the primary source of funds for the Company. Banking regulations limit the
amount of dividends that may be paid to the Company by the Banks without prior approval of the Office of the Controller of the
Currency (the &ldquo;OCC.&rdquo;) Under these regulations the amount of dividends that may be paid in any calendar year is limited
to the current year&rsquo;s net profits, combined with the retained net profits of the preceding two years. At June 30, 2020,
the Banks could, without prior approval, declare no dividends.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Regulatory
Capital Requirements - </B>The Banks are subject to minimum regulatory capital standards promulgated by the OCC. Failure to meet
minimum capital requirements can initiate certain mandatory -- and possibly additional discretionary -- actions by regulators
that, if undertaken, could have a direct material effect on the Company&rsquo;s consolidated financial statements. Under capital
adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Banks must meet specific capital
guidelines that involve quantitative measures of the Company&rsquo;s assets, liabilities, and certain off-balance-sheet items
as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments
by the regulators about components, risk weightings, and other factors.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Prompt
corrective action regulations provide five classifications: well-capitalized, adequately capitalized, undercapitalized, significantly
undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition.
If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions
are limited, as is asset growth and expansion, and capital restoration plans are required.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Capital
Standards &ndash; </B>Effective January 1, 2020, the Company and the Banks became subject to the Community Bank Leverage Ratio
(&ldquo;CBLR&rdquo;) framework. Previously the Company and the Banks were subject to regulatory capital reforms in accordance
with Basel III.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><I>Community
Bank Leverage Ratio</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><I>&nbsp;</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Certain
community banks and holding companies (which include the Company, Frankfort First, First Federal of Kentucky and First Federal
of Hazard) that satisfy certain qualifying criteria, including having less than $10 billion in average total consolidated assets
and a leverage ratio (referred to as the &ldquo;community bank leverage ratio&rdquo;) of greater than 9%, were eligible to opt-in
to the CBLR framework. The CBLR ratio is the ratio of a banking organization&rsquo;s Tier 1 capital to its average total consolidated
assets as reported on the banking organization&rsquo;s applicable regulatory filings. The Banks elected to utilize the CBLR framework
effective for the quarter ended March 31, 2020.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
K &ndash; STOCKHOLDERS&rsquo; EQUITY AND REGULATORY CAPITAL (continued)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">On
April 6, 2020, federal banking regulators issued two interim final rules that make changes to the CBLR ratio framework and implement
certain directives of the Coronavirus Aid, Relief, and Economic Security (&ldquo;CARES&rdquo;) Act. The first of the April 2020
interim final rules reduced the minimum ratio from 9% to 8% for those banking organizations otherwise meeting the other existing
qualifying criteria) as well as establishing a two-quarter grace period for qualifying community banking organizations whose leverage
ratios fall below the 8% CBLR requirement, so long as the banking organization maintains a leverage ratio of 7% or greater. The
second interim final rule provides a transition from the temporary 8% CBLR requirement to a 9% requirement. It establishes a minimum
CBLR of 8% for the second through fourth quarters of 2020, an 8.5% minimum for 2021 and 9% thereafter, while maintaining a two-quarter
grace period for qualifying community banking organizations whose leverage ratios fall no more than 100 basis points below the
applicable CBLR requirement. The Company intends to continue with the existing layered ratio structure. Under this framework the
Company and the Banks would be considered well-capitalized under the applicable guidelines.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
Basel III, which became effective January 1, 2015, established higher minimum risk-based capital ratio requirements, a new common
equity Tier 1 risk-based capital ratio and a new capital conservation buffer (&ldquo;CCB.&rdquo;) The regulations also included
revisions to the definition of capital and changes in the risk-weighting of certain assets, in addition to redefining &ldquo;well
capitalized&rdquo; as a 6.5% common equity Tier 1 risk-based capital ratio, an 8.0% Tier 1 risk-based capital ratio, a 10.0% total
risk-based capital ratio and a 5.0% Tier 1 leverage ratio. The CCB is 2.5% and, if the Company and the Banks were unable to qualify
for the CBLR framework, in order to avoid limitations on capital distributions, including dividend payments, engaging in share
repurchases and certain discretionary bonus payments to executive officers, must maintain the CCB at the appropriate level.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
Company&rsquo;s regulatory capital as of June 30, 2020, is presented in the following table.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Minimum
    Requirement</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">For
    Capital</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Actual</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Adequacy
    Purposes</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Amount</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ratio</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Amount</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ratio</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Dollars in thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">Risk-based capital:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 52%; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Common
    Equity Tier 1 capital ratio</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">50,962</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">27.6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,305</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tier 1 (core) capital
    ratio</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">50,962</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">27.6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,073</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total capital ratio</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">50,962</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">27.6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">14,764</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Leverage capital:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tier 1 leverage capital
    to average assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">50,962</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13,220</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
K &ndash; STOCKHOLDERS&rsquo; EQUITY AND REGULATORY CAPITAL (continued)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
Banks&rsquo; regulatory capital as of June 30, 2020, is presented in the following table.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Minimum
    Requirement</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">For
    Capital</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Actual</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Adequacy
    Purposes</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Amount</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ratio</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Amount</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ratio</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Dollars in thousands)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">Community Bank Leverage Ratio:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 52%; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">First
    Federal Savings and Loan Association of Hazard</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18,256</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">21.9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,740</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">First Federal Savings
    Bank of Kentucky</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">29,898</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12.1</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15,153</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold">&nbsp;</TD><TD STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Minimum</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">As
    of June 30, 2019</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Requirement</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Minimum</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">To
    be &ldquo;Well-</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Requirement</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Capitalized&rdquo;
    Under</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">For
    Capital</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Prompt
    Corrective</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Actual</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Adequacy
    Purposes</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Action
    Provisions</FONT></TD><TD STYLE="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Amount</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ratio</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Amount</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ratio</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Amount</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Ratio</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="6" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>(Dollars
    in thousands)</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">Risk-based capital:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Common Equity Tier
    1 capital ratio</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Kentucky First Federal</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">51,767</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,685</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">First Federal of Hazard</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18,275</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">38.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,139</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,090</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">First Federal of Kentucky</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">29,659</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">20.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6,543</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,451</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tier 1 (core) capital
    ratio</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Kentucky First Federal</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">51,767</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26.8</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,581</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">First Federal of Hazard</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18,275</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">38.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,852</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,803</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">First Federal of Kentucky</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">29,659</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">20.4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8,724</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">6.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,632</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total capital ratio</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Kentucky First Federal</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">53,223</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">27.5</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">15,441</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">First Federal of Hazard</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18,816</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">39.6</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,803</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,753</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">10.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">First Federal of Kentucky</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30,574</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">21.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,632</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">8.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">14,540</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">10.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Leverage capital:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tier 1 leverage capital
    to average assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Kentucky First Federal</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">51,767</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">16.7</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12,424</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">First Federal of Hazard</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18,275</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22.3</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">3,285</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4,106</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">First Federal of Kentucky</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">29,659</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12.9</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">9,175</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11,469</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">5.0</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
K &ndash; STOCKHOLDERS&rsquo; EQUITY AND REGULATORY CAPITAL (continued)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">As
of June 30, 2020 and 2019, management believes that First Federal of Hazard and First Federal of Kentucky met all capital adequacy
requirements to which the Banks were subject. There are no conditions or subsequent events that have occurred that managements
believes have changed the Banks&rsquo; categories.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Regulations
of the Board of Governors of the Federal Reserve System governing mutual holding companies require First Federal MHC to meet certain
criteria before the company may waive the receipt by it of any common stock dividend declared by Kentucky First Federal Bancorp.
During each of the fiscal years ended June 30, 2020 and 2019, and pursuant to the provisions allowed by the Board of Governors
of the Federal Reserve System, First Federal MHC waived $1.9 million in dividends.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
L - CONDENSED FINANCIAL STATEMENTS OF KENTUCKY FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">The
following condensed financial statements summarize the financial position of Kentucky First Federal Bancorp as of June 30, 2020
and 2019, and the results of its operations and its cash flows for the fiscal years ended June 30, 2020 and 2019.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>BALANCE
SHEETS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(In
thousands)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">ASSETS</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; width: 76%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest-bearing
    deposits in First Federal of Hazard</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,282</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,168</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest-bearing
    deposits in First Federal of Kentucky</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">167</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,057</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Other interest-bearing
    deposits</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">34</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">30</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Investment in
    First Federal of Hazard</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18,314</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">18,366</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Investment in
    Frankfort First</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">31,257</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">44,740</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Prepaid
    expenses and other assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">883</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">939</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">51,937</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,300</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">LIABILITIES AND SHAREHOLDERS&rsquo;
    EQUITY</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Accounts
    payable and other liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">26</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">22</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Shareholders&rsquo;
    equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">51,911</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,278</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    liabilities and shareholders&rsquo; equity</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">51,937</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">66,300</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
L - CONDENSED FINANCIAL STATEMENTS OF KENTUCKY FIRST FEDERAL BANCORP (continued)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>STATEMENTS
OF OPERATIONS AND COMPREHENSIVE (LOSS) INCOME</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Years
ended June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Dollar
amounts in thousands)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; padding-left: 9pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Interest
    income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">42</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">54</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Dividends
    from First Federal of Hazard</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">607</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">740</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Equity
    in undistributed (excess distributed) earnings of First Federal of Hazard</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(47</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(224</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Dividends
    from Frankfort First</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">576</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,499</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Equity
    in undistributed (excess distributed) earnings of Frankfort First</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(13,459</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1,981</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Total
    income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(12,281</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,815</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Non-interest
    expenses</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">325</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">382</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Loss)
    earnings before income taxes</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(12,606</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">941</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Federal
    income tax expense (benefit)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(59</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(106</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    (loss) income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(12,547</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">812</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Other
    comprehensive (loss) income, net of tax-related effects:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Unrealized
    holding gains (losses) on securities designated as available for sale during the year, net of taxes (benefits) of $(1) and
    $1 in 2020 and 2019, respectively</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(2</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Comprehensive
    (loss) income</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(12,549</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">816</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS (CONTINUED)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>NOTE
L - CONDENSED FINANCIAL STATEMENTS OF KENTUCKY FIRST FEDERAL BANCORP </B>(continued)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>KENTUCKY
FIRST FEDERAL BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>STATEMENTS
OF CASH FLOWS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">For
Years ended June 30, 2020 and 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">(Dollar
amounts in thousands)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2020</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">2019</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cash flows from operating activities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-family: Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    (loss) earnings for the year</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(12,547</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">812</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Adjustments
    to reconcile net earnings to net cash provided by operating activities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Excess
    (deficit) distributions over earnings (undistributed earnings) from consolidated subsidiaries</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">13,509</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,205</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Noncash
    compensation expense</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">112</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,588</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Depreciation</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">12</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">11</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Increase
    (decrease) in cash due to changes in:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Prepaid
    expenses and other assets</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">68</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(206</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.35in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Other
    liabilities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">4</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(10</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 34.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    cash provided by operating activities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,158</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,970</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cash
    flows from investing activities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Additions
    to premises and equipment, net</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 34.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    cash used in investing activities</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">--</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cash
    flows from financing activities:</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Treasury
    stock purchases</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(542</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(904</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">Dividends
    paid on common stock</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1,388</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1,436</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    cash used in financing activities</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1,930</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(2,340</FONT></TD><TD STYLE="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Net
    increase (decrease) in cash and cash equivalents</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">(772</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">)</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">630</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cash
    and cash equivalents at beginning of year</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,255</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,625</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; text-indent: -0.1in; padding-left: 0.1in"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cash
    and cash equivalents at end of year</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,483</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,255</FONT></TD><TD STYLE="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><I>&nbsp;</I></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Kentucky
First Federal Bancorp would like to recognize our employees who work hard every day to maximize the value of your investment:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>First
Federal Savings Bank of Kentucky</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Frankfort-Danville-Lancaster</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; width: 30%"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Lesa Asbery</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; width: 70%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service Manager</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Brenda Baldwin</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Chief Financial Officer</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>James Baxter</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Head of Commercial
    Lending</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Lisa Craig</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Assistant Vice President/Branch Manager</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Elizabeth Raymond</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Kelsey Carter</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Katresha Clay</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Andrea Cline</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Accounting</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Tracie Crawley</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Becky Crowe</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Deryl Curtis</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loan Servicing</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Julie DeWolfe</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Assistant Vice President/Loan Officer</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Betty Doolin</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Tyler Eades</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loan Support Specialist</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Diana Eads</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service Supervisor</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Tiffaney Elliott</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Chief Operating Officer/Vice President/Human
    Resources</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Jamey Ensley</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Information Technology Operations</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Debra Freeman</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service Manager/Training
    Coordinator</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Adam Gray</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Loan Officer</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Stacey Greenawalt</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Head of Residential
    Lending</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Stan Harmon</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loan Officer</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Melissa Harrod</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Karen Hatfield</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Assistant Vice President/Customer
    Service Manager</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Judy Hicks</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loan Processor</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Baylee Hockensmith</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loan Assistant</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Lee Ann Hockensmith</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Chief Customer Officer</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Barry Holder</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Ronald Howard</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Chief Lancaster Market
    Officer</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Brittany Hulette</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Credit Analyst/Accounting</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Clay Hulette</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Frankfort Area President</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Teresa Hulette</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Executive Vice President</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Don Jennings</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Chief Executive Officer</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Bill Johnson</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Danville/Lancaster Area President</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Eve Ann Jones</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Janet Lewis</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Nancy Long</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Assistant Vice President/Customer
    Service Manager</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Patty Luttrell</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Compliance Assistant</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Tracey McCoun</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/BSA Officer/Deposit
    Compliance Officer</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Katina Mickens</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Assistant Vice President/Loan Officer/Assistant
    Loan Servicing Coordinator</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Samantha Miller</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Loan Compliance Officer/Credit
    Analyst</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Carolyn Mulcahy</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Accounting Assistant</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Jeanie Murphy</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loan Servicing</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Lavenna Quire</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Loan Officer</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>David Semones</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Security Officer/Loan Processor</FONT></TD></TR>
</TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>First
Federal Savings Bank of Kentucky</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Frankfort-Danville-Lancaster,
continued</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; width: 30%"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Cynthia Shank</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; width: 70%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Jenny Stump</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Loan Processor</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Angie Tennell</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Yvonne Thornberry</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Head of Loan Servicing</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Joey Ward</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Mike Ware</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Information Technology
    Manager</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Laurel Wemyss</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Jennifer Whalen</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Loan Processor</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>First
Federal Savings and Loan Association of Hazard</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; width: 30%"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Jaime S. Coffey</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; width: 70%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Chief Executive Officer</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Kaye Craft</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Treasurer</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Carlen Dixon</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Loan Officer/Information
    Technology</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Kelly Fugate</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Jamie Haynes</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Margaret S. Petrey</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Head Teller</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Lauren Riley</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Vice President/Collections</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Eliza Stacy</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Customer Service</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Jessica Watts</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap"><FONT STYLE="font-family: Times New Roman, Times, Serif">Assistant Vice President/Secretary</FONT></TD></TR>
</TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Kentucky
First Federal Bancorp Board of Directors</B>:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Stephen
G. Barker, <I>Attorney and President and General Counsel to Kentucky River Properties, LLC</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Walter
G. Ecton, Jr., <I>Attorney and principal of Ecton, Murphy and Shannon, PLLC</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">William
D. Gorman, Jr., <I>former President and CEO of Hazard Insurance Agency</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">David
R. Harrod, CPA, <I>principal of Harrod and Associates, PSC</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Don
D. Jennings, <I>President, Kentucky First Federal Bancorp</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">William
H. Johnson, <I>Danville/Lancaster area President, First Federal Savings Bank of Kentucky</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tony
D. Whitaker, <I>Chairman, Kentucky First Federal Bancorp</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>First
Federal Savings and Loan Association of Hazard Board of Directors</B>:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 33%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Stephen G. Barker</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 34%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Jaime Coffey</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 33%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Walter G. Ecton, Jr.</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Lou Ella Farler</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">William D. Gorman, Jr.</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Tony D. Whitaker, <I>Chairman</I></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>First
Federal Savings Bank of Kentucky Board of Directors</B>:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 33%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Russell M. Brooks</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 34%"><FONT STYLE="font-family: Times New Roman, Times, Serif">J. Mark Goggans</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 33%"><FONT STYLE="font-family: Times New Roman, Times, Serif">David R. Harrod</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">R. Clay Hulette</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Don D. Jennings, <I>Chairman</I></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">William C. Jennings</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">William H. Johnson</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Yvonne Y. Morley</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Jerry M. Purcell</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Virginia R.S. Stump</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 33%"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Special Counsel</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 67%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Kilpatrick Townsend &amp; Stockton &nbsp;LLP</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Suite 900</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">607 14<SUP>th</SUP> Street NW</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Washington, DC&nbsp;&nbsp;20005-2018</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Transfer Agent and Registrar</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">American Stock Transfer &amp; Trust Company, LLC</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">6201 15<SUP>th</SUP> Avenue</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Brooklyn, NY 11219</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">(718) 921-8124</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>The
Annual Meeting of Shareholders</B> will be held on November 17, 2020 at 3:30 p.m. at the offices of First Federal Savings Bank
of Kentucky, located at 216 West Main Street, Frankfort, KY.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Shareholder
Inquiries and Availability of 10-K Reports: A COPY OF THE COMPANY&rsquo;S ANNUAL REPORT ON FORM 10-K FOR THE YEAR ENDED JUNE 30,
2020, AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION WILL BE FURNISHED WITHOUT CHARGE TO SHAREHOLDERS AS OF THE RECORD DATE
FOR THE NOVEMBER 17, 2020, ANNUAL MEETING, UPON WRITTEN REQUEST TO:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 33%"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Investor Relations:</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 34%"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Don Jennings</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 33%"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>don.jennings@ffsbky.bank</B></FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Clay Hulette</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>clay.hulette@ffsbky.bank</B></FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>(502) 223-1638 &nbsp;or&nbsp;&nbsp;1-888-818-3372</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>216 W Main St</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>PO Box 535</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Frankfort, KY&nbsp;&nbsp;40602</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;75</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B></B></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>



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<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>5
<FILENAME>f10k2020ex21_kentucky.htm
<DESCRIPTION>SUBSIDIARIES
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 21</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SUBSIDIARIES OF THE REGISTRANT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; text-align: justify">&nbsp;</TD><TD STYLE="white-space: nowrap; font-weight: bold">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; font-weight: bold; text-align: center">State or Other</TD><TD STYLE="text-align: center; white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; white-space: nowrap">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; white-space: nowrap; font-weight: bold">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; font-weight: bold; text-align: center">Jurisdiction of</TD><TD STYLE="text-align: center; white-space: nowrap; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; font-weight: bold; text-align: center">Percentage</TD><TD STYLE="text-align: center; white-space: nowrap; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; text-align: center">&nbsp;</TD><TD STYLE="text-align: center; white-space: nowrap; font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; font-weight: bold; text-align: center">Incorporation</TD><TD STYLE="text-align: center; white-space: nowrap; font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; white-space: nowrap; font-weight: bold; text-align: center">Ownership</TD><TD STYLE="white-space: nowrap; padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt; font-weight: bold; text-align: justify"><U>Parent</U></TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">Kentucky First Federal Bancorp</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">United States</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">N/A</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-decoration: underline; text-align: justify">Subsidiaries (1)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 76%; text-align: justify">First Federal Savings and Loan Association of Hazard</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: center">United States</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right">100</TD><TD STYLE="width: 1%; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify">Frankfort First Bancorp, Inc.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Delaware</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">100</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">First Federal Savings Bank of Kentucky (2)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">United States</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">100</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in; text-align: left">(1)</TD><TD STYLE="text-align: justify">The assets, liabilities and operations of the subsidiaries
are included in the consolidated financial statements contained in the Annual Report to Stockholders attached hereto as Exhibit
13.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="text-align: justify; width: 0"></TD><TD STYLE="width: 0.25in; text-align: justify">(2)</TD><TD STYLE="text-align: justify">Wholly owned subsidiary of Frankfort First Bancorp, Inc.,
which is a wholly-owned subsidiary of Parent.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>6
<FILENAME>f10k2020ex23-1_kentucky.htm
<DESCRIPTION>CONSENT OF BKD, LLP
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Exhibit 23.1</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Consent of Independent Registered<BR>
Public Accounting Firm</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We consent to the incorporation by reference in
Registration Statements on Form S-8 (No. 333-130243) of Kentucky First Federal Bancorp (Company) of our reports dated
September 28, 2020, on our audit of the consolidated financial statements of the Company as of June 30, 2020 and 2019, and
for the years ended June 30, 2020 and 2019, which report is included in this annual report on Form 10-K.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Louisville, Kentucky</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">September 28,
2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>7
<FILENAME>f10k2020ex31-1_kentucky.htm
<DESCRIPTION>CERTIFICATION
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 31.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Certification</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">I, Don D. Jennings,
certify that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1. I have reviewed
this Annual Report on Form 10-K of Kentucky First Federal Bancorp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2. Based on my knowledge,
this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements
made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by
this report;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3. Based on my knowledge,
the financial statements, and other financial information included in this report, fairly present in all material respects the
financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4. The registrant&rsquo;s
other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined
in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules
13a-(15)(f) and 15d-15(f)) for the registrant and have:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a) Designed such disclosure
controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that
material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within
those entities, particularly during the period in which this report is being prepared;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b) Designed such internal control over
financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide
reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external
purposes in accordance with generally accepted accounting principles;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c) Evaluated the effectiveness
of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of
the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d) Disclosed in this
report any change in the registrant&rsquo;s internal control over financial reporting that occurred during the registrant&rsquo;s
most recent fiscal quarter (the registrant&rsquo;s fourth fiscal quarter in the case of an annual report) that has materially affected,
or is reasonably likely to materially affect, the registrant&rsquo;s internal control over financial reporting; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5. The registrant&rsquo;s
other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting,
to the registrant's auditors and the audit committee of the registrant&rsquo;s board of directors (or persons performing the equivalent
functions):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a) All significant
deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably
likely to adversely affect the registrant&rsquo;s ability to record, process, summarize and report financial information; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b) Any fraud, whether
or not material, that involves management or other employees who have a significant role in the registrant&rsquo;s internal control
over financial reporting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Date: September 28, 2020</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1.5pt; width: 60%; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; width: 40%; text-align: justify">/s/ Don D. Jennings</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Don D. Jennings</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Chief Executive Officer</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TYPE>EX-31.2
<SEQUENCE>8
<FILENAME>f10k2020ex31-2_kentucky.htm
<DESCRIPTION>CERTIFICATION
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 31.2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Certification</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">I, R. Clay Hulette,
certify that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1. I have reviewed
this Annual Report on Form 10-K of Kentucky First Federal Bancorp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2. Based on my knowledge,
this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements
made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by
this report;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3. Based on my knowledge,
the financial statements, and other financial information included in this report, fairly present in all material respects the
financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4. The registrant&rsquo;s
other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined
in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules
13a-(15)(f) and 15d-15(f)) for the registrant and have:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a) Designed such disclosure
controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that
material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within
those entities, particularly during the period in which this report is being prepared;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b) Designed such internal control over
financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide
reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external
purposes in accordance with generally accepted accounting principles;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c) Evaluated the effectiveness
of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of
the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d) Disclosed in this
report any change in the registrant&rsquo;s internal control over financial reporting that occurred during the registrant&rsquo;s
most recent fiscal quarter (the registrant&rsquo;s fourth fiscal quarter in the case of an annual report) that has materially affected,
or is reasonably likely to materially affect, the registrant&rsquo;s internal control over financial reporting; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5. The registrant&rsquo;s
other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting,
to the registrant's auditors and the audit committee of the registrant&rsquo;s board of directors (or persons performing the equivalent
functions):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a) All significant
deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably
likely to adversely affect the registrant&rsquo;s ability to record, process, summarize and report financial information; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b) Any fraud, whether
or not material, that involves management or other employees who have a significant role in the registrant&rsquo;s internal control
over financial reporting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Date: September 28, 2020</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1.5pt; width: 60%; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; width: 40%; text-align: justify">/s/ R. Clay Hulette</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">R. Clay Hulette</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: left">Vice President, Chief Financial Officer and Treasurer</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32
<SEQUENCE>9
<FILENAME>f10k2020ex32_kentucky.htm
<DESCRIPTION>CERTIFICATION
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: right"><FONT STYLE="text-transform: capitalize">Exhibit
32</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: right">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">CERTIFICATION
PURSUANT TO 18 U.S.C. SECTION 1350</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AS ADOPTED PURSUANT TO SECTION 906 OF
THE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SARBANES-OXLEY ACT OF 2002</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The undersigned executive
officers of Kentucky First Federal Bancorp (the &ldquo;Registrant&rdquo;) hereby certify that this Annual Report on Form 10-K for
the year ended June 30, 2020 (the &ldquo;Report&rdquo;) fully complies with the requirements of Section 13(a) or 15(d) of the Securities
Exchange Act of 1934, and the information contained in the Report fairly presents, in all material respects, the financial condition
and results of operations of the Registrant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1.5pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1.5pt; text-align: justify">By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: justify">/s/ Don D. Jennings</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: justify">Name:</TD>
    <TD STYLE="width: 32%; text-align: left">Don D. Jennings</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Title:</TD>
    <TD STYLE="text-align: left">Chief Executive Officer </TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1.5pt solid; text-align: justify">/s/ R. Clay Hulette</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Name:</TD>
    <TD STYLE="text-align: left">R. Clay Hulette</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Title:</TD>
    <TD STYLE="padding-left: 9pt; text-align: left; text-indent: -9pt">Vice President, Chief Financial Officer and Treasurer</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Date: September 28, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

</BODY>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.INS
<SEQUENCE>10
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  <kffb:AdditionsToRealEstateOwned unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">44000</kffb:AdditionsToRealEstateOwned>
  <kffb:AdditionsToRealEstateOwned unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">98000</kffb:AdditionsToRealEstateOwned>
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">165000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
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  <us-gaap:NetCashProvidedByUsedInInvestingActivities unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">-12579000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
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  <us-gaap:ProceedsFromFederalHomeLoanBankBorrowings unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">23500000</us-gaap:ProceedsFromFederalHomeLoanBankBorrowings>
  <us-gaap:ProceedsFromFederalHomeLoanBankBorrowings unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">43150000</us-gaap:ProceedsFromFederalHomeLoanBankBorrowings>
  <us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">35488000</us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings>
  <us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">29499000</us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings>
  <kffb:ProceedFromSaleOfTreasuryStock unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">542000</kffb:ProceedFromSaleOfTreasuryStock>
  <kffb:ProceedFromSaleOfTreasuryStock unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">904000</kffb:ProceedFromSaleOfTreasuryStock>
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  <us-gaap:PaymentsOfDividendsCommonStock unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">1436000</us-gaap:PaymentsOfDividendsCommonStock>
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  <us-gaap:NetCashProvidedByUsedInFinancingActivities unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">11495000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
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  <us-gaap:CashAndCashEquivalentsAtCarryingValue unitRef="usd" contextRef="c12_AsOf30Jun2018" decimals="-3">9943000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
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  <us-gaap:IncomeTaxesPaidNet unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">100000</us-gaap:IncomeTaxesPaidNet>
  <us-gaap:InterestPaidNet unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">3500000</us-gaap:InterestPaidNet>
  <us-gaap:InterestPaidNet unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">3246000</us-gaap:InterestPaidNet>
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  <kffb:TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">347000</kffb:TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet>
  <kffb:LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">95000</kffb:LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure>
  <kffb:LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">214000</kffb:LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure>
  <us-gaap:SignificantAccountingPoliciesTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Kentucky
First Federal Bancorp (the &amp;#x201c;Company&amp;#x201d;) is a savings and loan holding company whose activities are primarily limited
to holding the stock and managing the operations of First Federal Savings and Loan Association of Hazard, Kentucky (&amp;#x201c;First
Federal of Hazard&amp;#x201d;) and Frankfort First Bancorp, Inc., (&amp;#x201c;Frankfort First&amp;#x201d;) the holding company for First Federal
Savings Bank of Kentucky (&amp;#x201c;First Federal of Kentucky&amp;#x201d;). First Federal of Hazard and First Federal of Kentucky are
collectively referred to herein as &amp;#x201c;the Banks.&amp;#x201d; First Federal of Hazard is a community-oriented savings and loan association
dedicated to serving consumers in Perry and surrounding counties in eastern Kentucky, while First Federal of Kentucky operates
through six banking offices located in Frankfort, Danville and Lancaster, Kentucky. Both institutions engage primarily in the
business of attracting deposits from the general public and applying those funds to the origination of loans for residential and
consumer purposes. First Federal of Kentucky also originates, to a lesser extent, church loans, home equity and other loans. Other
than a predominance of one- to four-family residential property, which is common in most thrifts, there are no significant concentrations
of loans to any one industry or customer. However, the customers&amp;#x2019; ability to repay their loans is dependent on the real
estate and general economic conditions in the Banks&amp;#x2019; specific operating areas. The Banks&amp;#x2019; profitability is significantly
dependent on net interest income, which is the difference between interest income generated from interest-earning assets (i.e.
loans and investments) and the interest expense paid on interest-bearing liabilities (i.e. customer deposits and borrowed funds).
Net interest income is affected by the relative amount of interest-earning assets and interest-bearing liabilities and the interest
received or paid on these balances. The level of interest rates paid or received by the Banks can be significantly influenced
by a number of environmental factors, such as governmental monetary policy, that are outside of management&amp;#x2019;s control.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following is a summary of the Company&amp;#x2019;s significant accounting policies which have been consistently applied in the preparation
of the accompanying consolidated financial statements.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Principles of Consolidation&lt;/font&gt;: The consolidated financial statements include the accounts of the Company, First Federal of
Hazard, Frankfort First and First Federal of Kentucky. All significant intercompany accounts and transactions have been eliminated
in consolidation.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Use of Estimates&lt;/font&gt;: The consolidated financial information presented herein has been prepared in accordance with U.S. generally
accepted accounting principles (&amp;#x201c;U.S. GAAP.&amp;#x201d;) To prepare financial statements in conformity with U.S. GAAP, management
makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in
the financial statements and the disclosures provided, and actual results could differ. Such estimates include, but are not limited
to, the allowance for loan losses, goodwill, and deferred taxes.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Securities&lt;/font&gt;: Debt securities are classified as held to maturity or available for sale. Securities classified as held to
maturity are to be carried at cost only if the Company has the positive intent and ability to hold these securities to maturity.
Securities designated as available for sale are carried at fair value with resulting unrealized gains or losses recorded to shareholders&amp;#x2019;
equity, net of tax.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Interest
income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield
method without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses
on sales are recorded on the trade date and determined using the specific identification method.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Management
evaluates securities for other-than-temporary impairment (&amp;#x201c;OTTI&amp;#x201d;) at least on a quarterly basis, and more frequently
when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers
the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management
also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized
loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is
met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities
that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related
to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in
other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected
to be collected and the amortized cost basis.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Loans&lt;/font&gt;: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff
are reported at the principal amount outstanding, adjusted for deferred loan origination costs, net, discounts on purchased loans,
and the allowance for loan losses. Interest income is accrued on the unpaid principal balance unless the collectability of the
loan is in doubt. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income
using the level-yield method without anticipating prepayments. Interest income on one- to four-family residential loans is generally
discontinued at the time a loan is 180 days delinquent and on other loans at the time a loan is 90 days delinquent. All other
loans are moved to non-accrual status in accordance with the Company&amp;#x2019;s policy, typically 90 days after the loan becomes
delinquent. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off
at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days
still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually
classified impaired loans.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;All
interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such
loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to
accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably
assured.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;5.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Loans held for sale and Mortgage Servicing Rights&lt;/font&gt;: Loans held for sale are carried at the lower of cost (less principal
payments received) or fair value, calculated on an aggregate basis. At June 30, 2020 the Company had $667,000 in loans held for
sale, while at June 30, 2019 there were no loans held for sale.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;In
selling loans, the Company utilizes a program with the Federal Home Loan Bank, retaining servicing on loans sold. Mortgage servicing
rights on originated loans that have been sold are initially recorded at fair value. Capitalized servicing rights are amortized
in proportion to and over the period of estimated servicing revenues. The Company recorded amortization related to mortgage servicing
rights totaling $20,000 and $13,000 during the years ended June 30, 2020 and 2019, respectively. The carrying value of the Company&amp;#x2019;s
mortgage servicing rights, which approximated fair value, totaled approximately $96,000 and $76,000 at June 30, 2020 and 2019,
respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company was servicing mortgage loans of approximately $12.1 million and $9.4 million that had been sold to the Federal Home Loan
Bank at June 30, 2020 and 2019, respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Servicing
rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is recognized
through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the
Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the
allowance may be recorded as an increase to income. Changes in valuation allowances are reported with other non-interest income
on the income statement. The fair values of servicing rights are subject to significant fluctuations as a result of changes in
estimated and actual prepayment speeds and default rates and losses.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Servicing
fee income which is reported on the income statement as other non-interest income is recorded for fees earned for servicing loans.
The fees are based on a contractual percentage of the outstanding principal and are recorded as income when earned. The amortization
of mortgage servicing rights is netted against loan servicing fee income. Servicing fees totaled $7,000 and $15,000 for the fiscal
years ended June 30, 2020 and 2019, respectively. Late fees and ancillary fees related to loan servicing are not material.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Allowance for Loan Losses&lt;/font&gt;: The allowance for loan losses is a valuation allowance for probable incurred credit losses.
Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent
recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loss experience,
the nature and volume of the portfolio, trends in the level of delinquent and problem loans, adverse situations that may affect
the borrower&amp;#x2019;s ability to repay, the estimated value of any underlying collateral and current and anticipated economic conditions
in the primary lending area. Allocations of the allowance may be made for specific loans, but the entire allowance is available
for any loan that, in management&amp;#x2019;s judgment, should be charged off.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
allowance consists of specific and general components. The specific component relates to loans that are individually classified
as impaired or loans otherwise classified as substandard or doubtful. The general component covers all loans and is based on historical
loss experience adjusted for current factors. In consultation with regulators, the Company considers a time frame of two years
when estimating the appropriate level of allowance for loan losses. This period may be shortened or extended based on anticipated
trends in the banks or in the banks&amp;#x2019; markets.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company
over the most recent eight quarters. This actual loss experience is supplemented with other economic factors based on the risks
present for each portfolio segment.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;These
economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and
trends in charge-offs and recoveries; trends in volume and terms of loans; changes in lending policies, procedures and practices;
experience, ability and depth of lending management and other relevant staff; economic trends and conditions; industry conditions;
and effects of changes in credit concentrations. Our portfolio segments include residential real estate, nonresidential real estate
and land, loans on deposits and consumer and other loans. Risk factors associated with our portfolio segments are as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Residential
Real Estate&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Our
primary lending activity is the origination of mortgage loans, which enable a borrower to purchase or refinance existing homes
in the Banks&amp;#x2019; respective market areas. We further classify our residential real estate loans as one- to four-family (owner-occupied
vs nonowner-occupied), multi-family or construction. We believe that our first mortgage position on loans secured by residential
real estate presents lower risk than our other loans, with the exception of loans secured by deposits.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;We
offer a mix of adjustable-rate and fixed-rate mortgage loans with terms up to 30 years for owner-occupied properties. For these
properties a borrower may be able to borrow up to 95% of the value with private mortgage insurance. Alternatively, the borrower
may be able to borrow up to 90% of the value through other programs offered by the bank.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;We
offer loans on one- to four-family rental properties at a maximum of 80% loan-to-value (&amp;#x201c;LTV&amp;#x201d;) ratio and we generally
charge a slightly higher interest rate on such loans.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;We
also originate loans to individuals to finance the construction of residential dwellings for personal use or for use as rental
property. We occasionally lend to builders for construction of speculative or custom residential properties for resale, but on
a limited basis. Construction loans are generally less than one year in length, do not exceed 80% of the appraised value, and
provide for the payment of interest only during the construction phase. Funds are disbursed as progress is made toward completion
of the construction.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Multi-family
and Nonresidential Loans&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;We
offer mortgage loans secured by residential multi-family (five or more units), and nonresidential real estate. Nonresidential
real estate loans are comprised generally of commercial office buildings, churches and properties used for other purposes. Generally,
these loans are originated for 25 years or less and do not exceed 80% of the appraised value. Loans secured by multi-family and
commercial real estate generally have larger balances and involve a greater degree of risk than one- to four-family residential
mortgage loans. These loans depend on the borrower&amp;#x2019;s creditworthiness and the feasibility and cash flow potential of the
project. Payments on loans secured by income properties often depend on successful operation and management of the properties.
As a result, repayment on such loans may be subject to a greater extent to adverse conditions in the real estate market or economy
than owner-occupied residential loans.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Consumer
lending&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Our
consumer loans include home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans.
Home equity loans are generally second mortgage loans subordinate only to first mortgages also held by the bank and do not exceed
80% of the estimated value of the property. We do offer home equity loans up to 90% of the estimated value to qualified borrowers
and these loans carry a premium interest rate. Loans secured by savings are originated up to 90% of the depositor&amp;#x2019;s savings
account balance and bear interest at a rate higher than the rate paid on the deposit account. Because the deposit account must
be pledged as collateral to secure the loan, the inherent risk of this type of loan is minimal. Loans secured by automobiles are
made directly to consumers (there are no relationships with dealers) and are based on the value of the vehicle and the borrower&amp;#x2019;s
creditworthiness. Vehicle loans present a higher level of risk because of the natural decline in the value of the property as
well as its mobility. Unsecured loans are based entirely on the borrower&amp;#x2019;s creditworthiness and present the highest level
of risk to the bank.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Banks choose the most appropriate method for accounting for impaired loans. For secured loans, which make up the vast majority
of the loans in the banks&amp;#x2019; portfolio, this method involves determining the fair value of the collateral, reduced by estimated
selling costs. Where appropriate, the Banks would account for impaired loans by determining the present value of expected future
cash flows discounted at the loan&amp;#x2019;s effective interest rate.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;A
loan is considered impaired when, based on current information and events, it is probable that a creditor will be unable to collect
all amounts due according to the contractual terms of the loan agreement. Although most of our loans are secured by collateral,
we rely heavily on the capacity of our borrowers to generate sufficient cash flow to service their debt. As a result, our loans
do not become collateral-dependent until there is deterioration in the borrower&amp;#x2019;s cash flow and financial condition, which
makes it necessary for us to look to the collateral for our sole source of repayment. Collateral-dependent loans which are more
than ninety days delinquent are considered to constitute more than a minimum delay in repayment and are evaluated for impairment
under the policy at that time.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;We
utilize updated independent appraisals to determine fair value for collateral-dependent loans, adjusted for estimated selling
costs, in determining our specific reserve. In some situations management does not secure an updated independent appraisal. These
situations may involve small loan amounts or loans that, in management&amp;#x2019;s opinion, have an abnormally low loan-to-value ratio.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;With
respect to the Banks&amp;#x2019; investment in troubled debt restructurings, multi-family and nonresidential loans, and the evaluation
of impairment thereof, such loans are nonhomogenous and, as such, may be deemed to be collateral-dependent when they become more
than 90 days delinquent. We obtain updated independent appraisals in these situations or when we suspect that the previous appraisal
may no longer be reflective of the property&amp;#x2019;s current fair value. This process varies from loan to loan, borrower to borrower,
and also varies based on the nature of the collateral.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;7.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Federal Home Loan Bank Stock&lt;/font&gt;: The banks are members of the FHLB system. Members are required to own a certain amount of
stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost,
classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash
and stock dividends are reported as interest income.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Real Estate Owned&lt;/font&gt;: Real estate acquired through or instead of foreclosure is initially recorded at fair value less estimated
selling expenses at the date of acquisition, establishing a new cost basis. These assets are subsequently accounted for at lower
of cost or fair value less estimated costs to sell. If fair value declines subsequently, the carrying value is adjusted through
a valuation allowance and the amount is recorded through expense. Costs relating to holding real estate owned, net of rental income,
are charged against earnings as incurred.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Premises and Equipment&lt;/font&gt;: Land is carried at cost. Premises and equipment are carried at cost less accumulated depreciation.
The cost of premises and equipment includes expenditures which extend the useful lives of existing assets. Maintenance, repairs
and minor renewals are expensed as incurred. For financial reporting, depreciation is provided on the straight-line method over
the useful lives of the assets, estimated to be forty years for buildings, ten to forty years for building improvements, and five
to ten years for furniture and equipment. When management initiates a plan to dispose of assets, those assets are transferred
to fixed assets held for sale and evaluated for potential impairment. At June 30, 2020 and 2019, the Company has fixed assets
held for sale of $161,000 related to a branch office no longer in use and included in other assets on the balance sheet. No impairment
losses have been taken on the property.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;10.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Income Taxes&lt;/font&gt;: Income tax expense is the total of the current year income tax due or refundable and the change in deferred
tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences
between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. Deferred tax assets are recorded
only to the extent that the amount of net deductible temporary differences or carryforward attributes may be utilized against
current period earnings, carried back against prior years&amp;#x2019; earnings, offset against taxable temporary differences reversing
in future periods, or utilized to the extent of management&amp;#x2019;s estimate of future taxable income. A valuation allowance, if
needed, reduces deferred tax assets to the amount expected to be realized. Deferred tax liabilities are provided on the total
amount of net temporary differences taxable in the future.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;A
tax provision is recognized as a benefit only if it is &amp;#x201c;more likely than not&amp;#x201d; that the tax position would be sustained
in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit
that is greater than 50% likely of being realized on examination. For tax positions not meeting the &amp;#x201c;more likely than not&amp;#x201d;
test, no tax benefit is recorded. The Company recognizes interest and/or penalties related to income tax matters as income tax
expense.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Kentucky
First Federal Bancorp and Frankfort First Bancorp, Inc., each are subject to state income taxes in the Commonwealth of Kentucky.
Neither of the Banks are subject to state income tax in the Commonwealth until January 1, 2021, according to legislation enacted
in the spring of 2019. On March 26, 2019, Kentucky enacted H.B. 354 repealing the bank franchise tax. On April 9, 2019, Kentucky
enacted related legislation, H.B. 458, which made technical corrections to H.B. 354. Beginning on or after January 1, 2021, the
banks will be subject to the corporation income tax and limited liability entity tax (&amp;#x201c;LLET&amp;#x201d;) instead of the savings
and loan tax. Because the banks operate on a fiscal year, they must file a short-year corporation income tax and LLET return and
pay any tax due for the period beginning January 1, 2021 through the end of the banks&amp;#x2019; normal fiscal year.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;As
a result of this legislation, in the fiscal year ended June 30, 2019, the Company recognized an income tax benefit of $63,000
to establish its deferred taxes for Kentucky and to record the net operating losses previously generated by the Company&amp;#x2019;s
mid-tier holding companies, which are expected to be utilized on a combined tax return. With few exceptions, the Company is no
longer subject to U.S. federal, state and local tax examinations by tax authorities for years before 2017.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;11.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Retirement and Employee Benefit Plans&lt;/font&gt;: The Banks participate in the Pentegra Defined Benefit Plan for Financial Institutions
(&amp;#x201c;The Pentegra DB Plan&amp;#x201d;), which is a tax-qualified, multi-employer defined benefit pension fund covering all employees
who qualify as to length of service. The Pentegra DB Plan&amp;#x2019;s Employer Identification Number is 13-5645888 and the Plan Number
is 333. The Pentegra DB Plan operates as a multi-employer plan for accounting purposes and as a multiple-employer plan under the
Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. The Pentegra DB Plan is a single plan under Internal
Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities. Accordingly, under the Pentegra
DB Plan contributions made by a participating employer may be used to provide benefits to participants of other participating
employers. Total contributions made to the Pentegra DB Plan, as reported on Form 5500, equal $138.3 million and $164.6 million
for the plan years ended June 30, 2019 and 2018, respectively. Our contributions for fiscal 2020 and 2019 were not more than 5%
of the total contributions made to the Pentegra DB Plan. Pension expense is the net contributions, which are based upon covered
employees&amp;#x2019; ages and salaries and are dependent upon the ultimate prescribed benefits of the participants and the funded
status of the plan. The Company recognized expense related to the plans totaling approximately $935,000 and $1.2 million for the
fiscal years ended June 30, 2020 and 2019, respectively. There are no collective bargaining agreements in place that require contributions
to the Pentegra DB Plan. As of July 1, 2019, the most recent period for which information is available, the Banks had an adjusted
funding target attainment percentage (&amp;#x201c;AFTAP&amp;#x201d;) of 86.98%. There are no funding improvement plans or surcharges to
participants. Effective July 1, 2016, sponsorship of the plan was transferred to the Company, benefits ratios were standardized
and prospectively each bank will contribute to the plan based generally on its pro rata share of future benefits. Effective April
1, 2019, the Company elected to freeze benefits to its employee participants.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company also maintains a nonqualified deferred compensation plan for the benefit of certain directors, which is closed to any
future deferrals. The expense incurred for the deferred compensation was $2,000 and $2,000 for the fiscal years ended June 30,
2020 and 2019, respectively, while the liabilities totaled $51,000 and $49,000 at June 30, 2020 and 2019, respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company maintains an Employee Stock Ownership Plan (&amp;#x201c;ESOP&amp;#x201d;) which provides retirement benefits for substantially all
full-time employees who have completed one year of service and have attained the age of 21. Annual contributions are made to the
ESOP equal to the ESOP&amp;#x2019;s debt service less dividends received by the ESOP on unallocated shares. Shares in the ESOP were
acquired using funds provided by a loan from the Company and, accordingly, the cost of those shares is shown as a reduction of
stockholders&amp;#x2019; equity. Shares are released to participants proportionately as the loan is repaid. Dividends on allocated
shares are recorded as dividends and charged to retained earnings. Dividends on unallocated shares are used to repay loan principal
and accrued interest. Compensation expense is recorded equal to the fair value of shares committed to be released during a given
fiscal year. Allocation of shares to the ESOP participants is contingent upon the repayment of a loan to Kentucky First Federal
Bancorp totaling $528,000 and $765,000 at June 30, 2020 and 2019, respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company recorded expense for the ESOP of approximately $135,000 and $144,000 for the years ended June 30, 2020 and 2019, respectively.
Shares may be surrendered from the plan as employees leave employment. Total shares surrendered from the plan totaled 194,445
and 156,787 at June 30, 2020 and 2019, respectively. The amounts contributed to the ESOP were $280,000 for each of the years 2020
and 2019.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;For
    the fiscal year ended&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30,&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Allocated
    shares&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;104,254&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;123,241&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Shares
    committed to be released&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,338&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,338&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unearned
    shares&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;28,936&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;47,607&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total
    ESOP shares&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;142,528&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;180,186&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt; text-indent: -0.125in; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    value of unearned shares at End of period&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;195,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;374,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company maintains a 401(k) plan for the benefit of all full-time employees. No employer contributions have been made to the 401(k)
plan.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;12.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Earnings Per Share&lt;/font&gt;: Diluted earnings per share is computed taking into consideration common shares outstanding and dilutive
potential common shares to be issued or released under the Company&amp;#x2019;s share-based compensation plans. There is no adjustment
to net earnings for the calculation of diluted earnings per share. The factors used in the basic and diluted earnings per share
computations for the fiscal years ended June 30 follow:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;For
    the fiscal year ended&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30,&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Net
    (loss) income allocated to common shareholders, basic and diluted&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(12,547,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;812,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(LOSS)
    EARNINGS PER SHARE&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(1.52&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;0.10&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Weighted
    average common shares outstanding, basic and diluted&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8,251,860&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8,335,612&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Basic
earnings per share is computed based upon the weighted-average shares outstanding during the year (which excludes treasury shares)
less average shares in the ESOP that are unallocated and not committed to be released. There were no options outstanding for fiscal
years 2020 and 2019.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Fair Value of Assets and Liabilities&lt;/font&gt;: Fair value is the exchange price that would be received for an asset or paid to transfer
a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between
market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Level
1&lt;/b&gt; - Quoted prices in active markets for identical assets or liabilities that the entity has the ability to access as of the
measurement date.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Level
2&lt;/b&gt; - Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in
markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially
the full term of the assets or liabilities.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Level
3 &lt;/b&gt;&amp;#x2013; Significant unobservable inputs that reflect a company&amp;#x2019;s own assumptions about the assumptions that market
participants would use in pricing an asset or liability.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Following
is a description of the valuation methodologies used for assets measured at fair value on a recurring basis and recognized in
the accompanying balance sheet, as well as the general classification of such instruments pursuant to the valuation hierarchy.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Securities&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Where
quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If
quoted market prices are not available, then fair values are estimated by using matrix pricing, which is a mathematical technique
widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities
but rather by relying on the securities&amp;#x2019; relationship to other benchmark quoted securities (Level 2 inputs).&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following table presents the fair value measurements of assets and liabilities measured at fair value on a recurring basis at
June 30, 2020 and 2019. The securities represented are only those classified as available-for sale.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;10&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value Measurements Using&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Quotes
    Prices&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;in
    Active&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Significant&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Markets
    for&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Significant&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Identical&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Observable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unobservable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    1)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    2)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    3)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    bonds&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    mortgage-backed: residential&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;U.S.
    Treasury notes&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;497&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;497&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    bonds&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;505&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;505&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    mortgage-backed: residential&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;There
were no transfers between levels 1 and 2.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Following
is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and
recognized in the accompanying consolidated balance sheet, as well as the general classification of such assets pursuant to the
valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported
fair value is described below.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Impaired
Loans&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent independent
real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable
sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences
between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level
3 classification of the inputs for determining fair value and totaled $0 and $13,000 for the years ended June 30, 2020 and 2019,
respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Independent
appraisals for collateral-dependent loans are updated periodically (usually every 12-24 months depending on the size of the loan
and the loan-to-value ratio).&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Real
Estate Owned&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Real
estate properties acquired through or instead of loan foreclosure are initially recorded as real estate owned (&amp;#x201c;REO&amp;#x201d;)
at fair value, less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at
lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which
are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches
including comparable sales and the income approach with data from comparable properties. Adjustments are routinely made in the
appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available.
Such adjustments were $36,000 and $66,000 for the fiscal years 2020 and 2019, respectively, and resulted in a Level 3 classification
of the inputs for determining fair value.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following table presents the fair value measurements of assets and liabilities measured at fair value on a nonrecurring basis
at June 30, 2020 and 2019.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;10&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value Measurements Using&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Quotes
    Prices&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;in
    Active&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Significant&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Markets
    for&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Significant&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Identical&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Observable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unobservable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
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    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
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    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;2020&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other
    real estate owned, net&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;2019&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other
    real estate owned, net&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at
fair value on a non-recurring basis at June 30, 2020 and 2019:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Range&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Valuation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unobservable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Weighted&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Input(s)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Average)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 25%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Foreclosed
    and repossessed assets:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1-4
    family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Sales
    comparison approach&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Adjustments
    for differences between comparable sales&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-2.7%
    to 41.2% (20.4%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Range&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Valuation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unobservable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Weighted&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Input(s)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Average)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;Loans:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; width: 25%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1-4
    family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Sales
    comparison approach&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Adjustments
    for differences between comparable sales&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;25.3%
    to -50.6% (-0.6%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Foreclosed
    and repossessed assets:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1-4
    family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Sales
    comparison approach&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Adjustments
    for differences between comparable sales&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8.6%
    to 31.0% (29.0%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following disclosure of the fair value of financial instruments, both assets and liabilities, whether or not recognized in the
consolidated balance sheet, is based on the assumptions presented for each particular item and for which it is practicable to
estimate that value. For financial instruments where quoted market prices are not available, fair values are based on estimates
using present value and other valuation methods.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
methods used are greatly affected by the assumptions applied, including the discount rate and estimates of future cash flows.
Therefore, the fair values presented may not represent amounts that could be realized in an exchange for certain financial instruments.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company&amp;#x2019;s financial instruments at June 30, 2020 and 2019 are as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value Measurements at&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;b&gt;Carrying&lt;/b&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2020 Using&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt; Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Financial
    assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Cash
    and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13,702&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13,702&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13,702&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Time
    deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,229&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,252&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,252&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Available-for-sale
    securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Held-to-maturity
    securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;611&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;611&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;285,887&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;295,431&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;295,431&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,498&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    interest receivable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;830&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;830&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;830&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Financial
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;213,118&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;54,715&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;55,416&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;55,416&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Advances
    by borrowers for taxes and insurance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;800&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;800&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;800&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Accrued
    interest payable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td colspan=&quot;5&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value Measurements at&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;b&gt;Carrying&lt;/b&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2019 Using&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt; Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Financial
    assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Cash
    and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,861&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,861&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,861&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Time
    deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,963&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,963&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Available-for-sale
    securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Held-to-maturity
    securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    receivable - net&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;280,969&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;285,700&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;758&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;195,836&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;69,944&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;123,920&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;193,864&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Federal
    Home Loan Bank advances&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;66,703&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;66,719&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;66,719&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Advances
    by borrowers for taxes and insurance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;763&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;763&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;763&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Accrued
    interest payable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;14.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Cash and Cash Equivalents&lt;/font&gt;: For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks
and interest-bearing deposits in other financial institutions with original maturities of less than ninety days.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;15.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Goodwill&lt;/font&gt;: Goodwill of $14.5 million was originally recorded in March 2005 when the Company, as part of its initial public
offering, purchased Frankfort First Bancorp, Inc., with a portion of the stock and cash proceeds from the offering. Goodwill and
intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized,
but tested for impairment at least annually. The Company has selected March 31 as the date to perform its annual impairment test
with more frequent monitoring if circumstances warrant. Intangible assets with definite useful lives are amortized over their
estimated useful lives to their estimated residual values. Goodwill is the only intangible asset with an indefinite life on our
balance sheet. The Company adopted ASU No. 2017-04, &lt;i&gt;Intangibles-Goodwill and Other (Topic 350) Simplifying the Test for Goodwill
Impairment, &lt;/i&gt;effective April 1, 2020.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;16.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Cash Surrender Value of Life Insurance&lt;/font&gt;: First Federal of Kentucky has purchased life insurance policies on certain key
executives. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance
sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;17.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Treasury Stock&lt;/font&gt;: Treasury stock is stated at cost. Cost is determined by the first-in, first-out method.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;18.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Related Party Transactions&lt;/font&gt;: Loans outstanding to executive officers, directors, significant shareholders and their affiliates
(related parties) at June 30, 2020 and 2019 are summarized as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Outstanding
    principal, beginning of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,246&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;845&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Changes
    in composition of related parties&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(129&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Principal
    disbursed during the year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;538&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Principal
    repaid and refinanced during the year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(70&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(137&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Outstanding
    principal, end of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,047&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,246&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Deposits
from related parties held by the Company at June 30, 2020 and 2019 totaled $3.3 million and $2.2 million, respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;19.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Comprehensive Income and Accumulated Comprehensive Income&lt;/font&gt;: Comprehensive income consists of net income and other comprehensive
income. Other comprehensive income includes unrealized gains and losses on securities available for sale, net of tax, for the
period which are also recognized as separate components of equity. Accumulated comprehensive income consists solely of unrealized
gain or loss on available-for-sale securities at the end of the period.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;20.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Revenue Recognition&lt;/font&gt;: The Company&amp;#x2019;s revenue-generating activities accounted for under Topic 606 includes primarily
service charges and fees on deposits and other service charges and fees and comprise the majority of other non-interest income
on the statement of income. Service charges and fees on deposits are primarily overdraft fees, dormant account fees, and service
charges on checking and savings accounts. Overdraft fees are recognized at the time an account is overdrawn. Dormant account fees
are recognized when an account is inactive for at least 365 days. Service charges on checking and savings accounts are primarily
account maintenance services performed and recognized in the same calendar month. Other deposit-based service charges and fees
include transaction-based services completed at the request of the customer and recognized at the time the transaction is completed.
These transaction-based services include ATM usage and stop payment services. All service charges and fees on deposits are withdrawn
from the customer&amp;#x2019;s account at the time the service is provided.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;21.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Loss Contingencies&lt;/font&gt;: Loss contingencies, including claims and legal actions arising in the ordinary course of business,
are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Management does not believe there now are such matters that will have a material effect on the financial statements.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;22.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Loan Commitments and Related Financial Instruments&lt;/font&gt;: Financial instruments include off-balance sheet credit instruments,
such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for
these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments
are recorded when they are funded.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;23.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Dividend Restriction&lt;/font&gt;: Banking regulations require maintaining certain capital levels and may limit the dividends paid by
the banks to the holding company or by the holding company to shareholders.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;24.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Operating Segments&lt;/font&gt;: While the chief decision-makers monitor the revenue streams of the various products and services, operations
are managed and financial performance is evaluated on a Company-wide basis. Operating segments are aggregated into one as operating
results for all segments are similar. Accordingly, all of the financial service operations are considered by management to be
aggregated in one reportable operating segment.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;25.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Reclassifications&lt;/font&gt;: Some items in the prior year financial statements were reclassified to conform to the current presentation.
Reclassifications had no effect on prior year net income or shareholders&amp;#x2019; equity.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;26.
&lt;font style=&quot;text-decoration:underline&quot;&gt;New Accounting Standards:&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;&lt;i&gt;FASB
ASC 326 -&lt;/i&gt;&lt;/b&gt; In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments &amp;#x2013; Credit Losses (Topic 326): Measurement
of Credit Losses on Financial Instruments.&amp;#xa0; The final standard will change estimates for credit losses related to financial
assets measured at amortized cost such as loans, held-to-maturity debt securities, and certain other contracts. For estimating
credit losses, the FASB is replacing the incurred loss model with an expected loss model, which is referred to as the current
expected credit loss (CECL) model. The Company will now use forward-looking information to enhance its credit loss estimates.
The amendment requires enhanced disclosures to aid investors and other users of financial statements to better understand significant
estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of our portfolio.
The largest impact to the Company will be on its allowance for loan and lease losses, although the ASU also amends the accounting
for credit losses on available-for-sale debt securities, held-to-maturity securities, and purchased financial assets with credit
deterioration. The standard is effective for public companies for annual periods and interim periods within those annual periods
beginning after December 15, 2019. However, the FASB has delayed the implementation of the ASU for smaller reporting companies
until years beginning after December 15, 2022, or in the Company&amp;#x2019;s case the fiscal year beginning July 1, 2023.&amp;#xa0; ASU
2016-13 will be applied through a cumulative effect adjustment to retained earnings (modified-retrospective approach), except
for debt securities for which an other-than-temporary impairment had been recognized before the effective date. A prospective
transition approach is required for these debt securities. We have formed a functional committee that is assessing our data and
system needs and are evaluating the impact of adopting the new guidance. We expect to recognize a one-time cumulative effect adjustment
to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but
cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated
financial statements. However, the Company does expect ASU 2016-13 to add complexity and costs to its current credit loss evaluation
process.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;&lt;i&gt;FASB
ASC 842 &amp;#x2013;&lt;/i&gt;&lt;/b&gt; In March 2017, the FASB issued ASU No. 2016-02, &lt;i&gt;Leases (Topic 842). &lt;/i&gt;This guidance changes lease
accounting by introducing the core principle that a lessee should recognize the assets and liabilities that arise from operating
leases under the premise that all leases create an asset and a liability for the lessee in accordance with FASB Concepts Statement
No. 6, &lt;i&gt;Elements of Financial &lt;/i&gt;Statements. The Company adopted this ASU effective July 1, 2019, with no recordation of right-to-use
lease assets or operating lease liabilities, because the level of operating leases was determined to be immaterial.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;&lt;i&gt;FASB
ASC 350 &amp;#x2013;&lt;/i&gt;&lt;/b&gt; In January 2017, the FASB issued ASU No. 2017-04, &lt;i&gt;Intangibles-Goodwill and Other (Topic 350) Simplifying
the Test for Goodwill Impairment. &lt;/i&gt;This guidance modifies the concept of impairment from the condition that exists when the
carrying amount of goodwill exceeds its implied fair value to the condition that exists when the carrying amount of a reporting
unit exceeds its fair value. For public business entities, the amendments in this update are effective for fiscal years, and the
interim periods within those fiscal years, beginning after December 15, 2019. The Company adopted ASU No. 2017-04 effective April
1, 2020, and recorded a goodwill impairment charge, which had no tax impact, of $13.6 million, or $1.64 per common share, during
the quarter ended June 30, 2020, which represented 93.5% of goodwill previously reported.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;&lt;i&gt;FASB
ASC 820 &amp;#x2013;&lt;/i&gt;&lt;/b&gt; In August 2018, the FASB issued ASU No. 2018-13, &lt;i&gt;Fair Value Measurement (Topic 820) Disclosure Framework-Changes
to the Disclosure Requirements for Fair Value Measurement. &lt;/i&gt;This guidance reduces the level of detail surrounding the processes
used by the Company in determining the fair value of some of its assets. For public business entities, the amendments in this
update are effective for fiscal years, and the interim periods within those fiscal years, beginning after December 15, 2019, or
July 1, 2020, with respect to the Company.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;&lt;i&gt;FASB
ASC 740&amp;#x2013;&lt;/i&gt;&lt;/b&gt; In December 2019, the FASB issued ASU 2019-12, &lt;i&gt;Income Taxes (Topic 740), Simplifying the Accounting
for Income Taxes. &lt;/i&gt;The amendments in this ASU removes certain exceptions for recognizing deferred taxes for investments, performing
intraperiod allocation and calculating income taxes during interim periods. The ASU also adds guidance to reduce complexity in
certain areas, including recognizing deferred taxes for tax goodwill and allocating taxes to members of a consolidated group.
For public business entities, the amendments in this ASU are effective for fiscal years, and interim periods within those fiscal
years, beginning after December 15, 2020, or July 1, 2021, with respect to the Company. Early adoption is permitted. We do not
anticipate a significant impact to our consolidated financial statements.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other
accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have
a material impact on the Company&amp;#x2019;s financial position, results of operations or cash flows.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
  <us-gaap:ConsolidationPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Principles of Consolidation&lt;/font&gt;: The consolidated financial statements include the accounts of the Company, First Federal of
Hazard, Frankfort First and First Federal of Kentucky. All significant intercompany accounts and transactions have been eliminated
in consolidation.&lt;/font&gt;&lt;/p&gt;</us-gaap:ConsolidationPolicyTextBlock>
  <us-gaap:UseOfEstimates contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Use of Estimates&lt;/font&gt;: The consolidated financial information presented herein has been prepared in accordance with U.S. generally
accepted accounting principles (&amp;#x201c;U.S. GAAP.&amp;#x201d;) To prepare financial statements in conformity with U.S. GAAP, management
makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in
the financial statements and the disclosures provided, and actual results could differ. Such estimates include, but are not limited
to, the allowance for loan losses, goodwill, and deferred taxes.&lt;/font&gt;&lt;/p&gt;</us-gaap:UseOfEstimates>
  <us-gaap:MarketableSecuritiesPolicy contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Securities&lt;/font&gt;: Debt securities are classified as held to maturity or available for sale. Securities classified as held to
maturity are to be carried at cost only if the Company has the positive intent and ability to hold these securities to maturity.
Securities designated as available for sale are carried at fair value with resulting unrealized gains or losses recorded to shareholders&amp;#x2019;
equity, net of tax.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Interest
income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield
method without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses
on sales are recorded on the trade date and determined using the specific identification method.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Management
evaluates securities for other-than-temporary impairment (&amp;#x201c;OTTI&amp;#x201d;) at least on a quarterly basis, and more frequently
when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers
the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management
also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized
loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is
met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities
that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related
to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in
other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected
to be collected and the amortized cost basis.&lt;/font&gt;&lt;/p&gt;</us-gaap:MarketableSecuritiesPolicy>
  <us-gaap:PolicyLoansReceivablePolicy contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Loans&lt;/font&gt;: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff
are reported at the principal amount outstanding, adjusted for deferred loan origination costs, net, discounts on purchased loans,
and the allowance for loan losses. Interest income is accrued on the unpaid principal balance unless the collectability of the
loan is in doubt. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income
using the level-yield method without anticipating prepayments. Interest income on one- to four-family residential loans is generally
discontinued at the time a loan is 180 days delinquent and on other loans at the time a loan is 90 days delinquent. All other
loans are moved to non-accrual status in accordance with the Company&amp;#x2019;s policy, typically 90 days after the loan becomes
delinquent. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off
at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days
still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually
classified impaired loans.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;All
interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such
loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to
accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably
assured.&lt;/font&gt;&lt;/p&gt;</us-gaap:PolicyLoansReceivablePolicy>
  <kffb:LoansHeldForSaleAndMortgageServicingRightsPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;5.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Loans held for sale and Mortgage Servicing Rights&lt;/font&gt;: Loans held for sale are carried at the lower of cost (less principal
payments received) or fair value, calculated on an aggregate basis. At June 30, 2020 the Company had $667,000 in loans held for
sale, while at June 30, 2019 there were no loans held for sale.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;In
selling loans, the Company utilizes a program with the Federal Home Loan Bank, retaining servicing on loans sold. Mortgage servicing
rights on originated loans that have been sold are initially recorded at fair value. Capitalized servicing rights are amortized
in proportion to and over the period of estimated servicing revenues. The Company recorded amortization related to mortgage servicing
rights totaling $20,000 and $13,000 during the years ended June 30, 2020 and 2019, respectively. The carrying value of the Company&amp;#x2019;s
mortgage servicing rights, which approximated fair value, totaled approximately $96,000 and $76,000 at June 30, 2020 and 2019,
respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company was servicing mortgage loans of approximately $12.1 million and $9.4 million that had been sold to the Federal Home Loan
Bank at June 30, 2020 and 2019, respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Servicing
rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is recognized
through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the
Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the
allowance may be recorded as an increase to income. Changes in valuation allowances are reported with other non-interest income
on the income statement. The fair values of servicing rights are subject to significant fluctuations as a result of changes in
estimated and actual prepayment speeds and default rates and losses.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Servicing
fee income which is reported on the income statement as other non-interest income is recorded for fees earned for servicing loans.
The fees are based on a contractual percentage of the outstanding principal and are recorded as income when earned. The amortization
of mortgage servicing rights is netted against loan servicing fee income. Servicing fees totaled $7,000 and $15,000 for the fiscal
years ended June 30, 2020 and 2019, respectively. Late fees and ancillary fees related to loan servicing are not material.&lt;/font&gt;&lt;/p&gt;</kffb:LoansHeldForSaleAndMortgageServicingRightsPolicyTextBlock>
  <us-gaap:LoansHeldForSaleFairValueDisclosure unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">667000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:AmortizationOfMortgageServicingRightsMSRs unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="0">20000</us-gaap:AmortizationOfMortgageServicingRightsMSRs>
  <us-gaap:AmortizationOfMortgageServicingRightsMSRs unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="0">13000</us-gaap:AmortizationOfMortgageServicingRightsMSRs>
  <us-gaap:AmortizationOfMortgageServicingRightsMSRs unitRef="usd" contextRef="c35_From1Jul2019To30Jun2020_MortgageServicingRightsMember" decimals="0">96000</us-gaap:AmortizationOfMortgageServicingRightsMSRs>
  <us-gaap:AmortizationOfMortgageServicingRightsMSRs unitRef="usd" contextRef="c36_From1Jul2018To30Jun2019_MortgageServicingRightsMember" decimals="0">76000</us-gaap:AmortizationOfMortgageServicingRightsMSRs>
  <kffb:ServicingMortgageLoans unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-5">12100000</kffb:ServicingMortgageLoans>
  <kffb:ServicingMortgageLoans unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-5">9400000</kffb:ServicingMortgageLoans>
  <kffb:ServicingFee unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="0">7000</kffb:ServicingFee>
  <kffb:ServicingFee unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="0">15000</kffb:ServicingFee>
  <us-gaap:LoansAndLeasesReceivableAllowanceForLoanLossesPolicy contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Allowance for Loan Losses&lt;/font&gt;: The allowance for loan losses is a valuation allowance for probable incurred credit losses.
Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent
recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loss experience,
the nature and volume of the portfolio, trends in the level of delinquent and problem loans, adverse situations that may affect
the borrower&amp;#x2019;s ability to repay, the estimated value of any underlying collateral and current and anticipated economic conditions
in the primary lending area. Allocations of the allowance may be made for specific loans, but the entire allowance is available
for any loan that, in management&amp;#x2019;s judgment, should be charged off.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
allowance consists of specific and general components. The specific component relates to loans that are individually classified
as impaired or loans otherwise classified as substandard or doubtful. The general component covers all loans and is based on historical
loss experience adjusted for current factors. In consultation with regulators, the Company considers a time frame of two years
when estimating the appropriate level of allowance for loan losses. This period may be shortened or extended based on anticipated
trends in the banks or in the banks&amp;#x2019; markets.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company
over the most recent eight quarters. This actual loss experience is supplemented with other economic factors based on the risks
present for each portfolio segment.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;These
economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and
trends in charge-offs and recoveries; trends in volume and terms of loans; changes in lending policies, procedures and practices;
experience, ability and depth of lending management and other relevant staff; economic trends and conditions; industry conditions;
and effects of changes in credit concentrations. Our portfolio segments include residential real estate, nonresidential real estate
and land, loans on deposits and consumer and other loans. Risk factors associated with our portfolio segments are as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Residential
Real Estate&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Our
primary lending activity is the origination of mortgage loans, which enable a borrower to purchase or refinance existing homes
in the Banks&amp;#x2019; respective market areas. We further classify our residential real estate loans as one- to four-family (owner-occupied
vs nonowner-occupied), multi-family or construction. We believe that our first mortgage position on loans secured by residential
real estate presents lower risk than our other loans, with the exception of loans secured by deposits.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;We
offer a mix of adjustable-rate and fixed-rate mortgage loans with terms up to 30 years for owner-occupied properties. For these
properties a borrower may be able to borrow up to 95% of the value with private mortgage insurance. Alternatively, the borrower
may be able to borrow up to 90% of the value through other programs offered by the bank.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;We
offer loans on one- to four-family rental properties at a maximum of 80% loan-to-value (&amp;#x201c;LTV&amp;#x201d;) ratio and we generally
charge a slightly higher interest rate on such loans.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;We
also originate loans to individuals to finance the construction of residential dwellings for personal use or for use as rental
property. We occasionally lend to builders for construction of speculative or custom residential properties for resale, but on
a limited basis. Construction loans are generally less than one year in length, do not exceed 80% of the appraised value, and
provide for the payment of interest only during the construction phase. Funds are disbursed as progress is made toward completion
of the construction.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Multi-family
and Nonresidential Loans&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;We
offer mortgage loans secured by residential multi-family (five or more units), and nonresidential real estate. Nonresidential
real estate loans are comprised generally of commercial office buildings, churches and properties used for other purposes. Generally,
these loans are originated for 25 years or less and do not exceed 80% of the appraised value. Loans secured by multi-family and
commercial real estate generally have larger balances and involve a greater degree of risk than one- to four-family residential
mortgage loans. These loans depend on the borrower&amp;#x2019;s creditworthiness and the feasibility and cash flow potential of the
project. Payments on loans secured by income properties often depend on successful operation and management of the properties.
As a result, repayment on such loans may be subject to a greater extent to adverse conditions in the real estate market or economy
than owner-occupied residential loans.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Consumer
lending&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Our
consumer loans include home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans.
Home equity loans are generally second mortgage loans subordinate only to first mortgages also held by the bank and do not exceed
80% of the estimated value of the property. We do offer home equity loans up to 90% of the estimated value to qualified borrowers
and these loans carry a premium interest rate. Loans secured by savings are originated up to 90% of the depositor&amp;#x2019;s savings
account balance and bear interest at a rate higher than the rate paid on the deposit account. Because the deposit account must
be pledged as collateral to secure the loan, the inherent risk of this type of loan is minimal. Loans secured by automobiles are
made directly to consumers (there are no relationships with dealers) and are based on the value of the vehicle and the borrower&amp;#x2019;s
creditworthiness. Vehicle loans present a higher level of risk because of the natural decline in the value of the property as
well as its mobility. Unsecured loans are based entirely on the borrower&amp;#x2019;s creditworthiness and present the highest level
of risk to the bank.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Banks choose the most appropriate method for accounting for impaired loans. For secured loans, which make up the vast majority
of the loans in the banks&amp;#x2019; portfolio, this method involves determining the fair value of the collateral, reduced by estimated
selling costs. Where appropriate, the Banks would account for impaired loans by determining the present value of expected future
cash flows discounted at the loan&amp;#x2019;s effective interest rate.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;A
loan is considered impaired when, based on current information and events, it is probable that a creditor will be unable to collect
all amounts due according to the contractual terms of the loan agreement. Although most of our loans are secured by collateral,
we rely heavily on the capacity of our borrowers to generate sufficient cash flow to service their debt. As a result, our loans
do not become collateral-dependent until there is deterioration in the borrower&amp;#x2019;s cash flow and financial condition, which
makes it necessary for us to look to the collateral for our sole source of repayment. Collateral-dependent loans which are more
than ninety days delinquent are considered to constitute more than a minimum delay in repayment and are evaluated for impairment
under the policy at that time.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;We
utilize updated independent appraisals to determine fair value for collateral-dependent loans, adjusted for estimated selling
costs, in determining our specific reserve. In some situations management does not secure an updated independent appraisal. These
situations may involve small loan amounts or loans that, in management&amp;#x2019;s opinion, have an abnormally low loan-to-value ratio.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;With
respect to the Banks&amp;#x2019; investment in troubled debt restructurings, multi-family and nonresidential loans, and the evaluation
of impairment thereof, such loans are nonhomogenous and, as such, may be deemed to be collateral-dependent when they become more
than 90 days delinquent. We obtain updated independent appraisals in these situations or when we suspect that the previous appraisal
may no longer be reflective of the property&amp;#x2019;s current fair value. This process varies from loan to loan, borrower to borrower,
and also varies based on the nature of the collateral.&lt;/font&gt;&lt;/p&gt;</us-gaap:LoansAndLeasesReceivableAllowanceForLoanLossesPolicy>
  <kffb:DescriptionOfMortageLoans contextRef="c0_From1Jul2019To30Jun2020">We offer a mix of adjustable-rate and fixed-rate mortgage loans with terms up to 30 years for owner-occupied properties. For these properties a borrower may be able to borrow up to 95% of the value with private mortgage insurance. Alternatively, the borrower may be able to borrow up to 90% of the value through other programs offered by the bank.</kffb:DescriptionOfMortageLoans>
  <us-gaap:DebtInstrumentInterestRateStatedPercentage unitRef="pure" contextRef="c37_AsOf30Jun2020_LoansOneToFourFamilyMember" decimals="2">0.80</us-gaap:DebtInstrumentInterestRateStatedPercentage>
  <us-gaap:DebtInstrumentInterestRateStatedPercentage unitRef="pure" contextRef="c3_AsOf30Jun2020" decimals="2">0.80</us-gaap:DebtInstrumentInterestRateStatedPercentage>
  <kffb:NonresidentialLoanPercentage unitRef="pure" contextRef="c0_From1Jul2019To30Jun2020" decimals="2">0.80</kffb:NonresidentialLoanPercentage>
  <kffb:DescriptionOfConsumerLeading contextRef="c0_From1Jul2019To30Jun2020">Home equity loans are generally second mortgage loans subordinate only to first mortgages also held by the bank and do not exceed 80% of the estimated value of the property. We do offer home equity loans up to 90% of the estimated value to qualified borrowers and these loans carry a premium interest rate. Loans secured by savings are originated up to 90% of the depositor&amp;#x2019;s savings account balance and bear interest at a rate higher than the rate paid on the deposit account.</kffb:DescriptionOfConsumerLeading>
  <kffb:FederalHomeLoanBankStockPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;7.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Federal Home Loan Bank Stock&lt;/font&gt;: The banks are members of the FHLB system. Members are required to own a certain amount of
stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost,
classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash
and stock dividends are reported as interest income.&lt;/font&gt;&lt;/p&gt;</kffb:FederalHomeLoanBankStockPolicyTextBlock>
  <us-gaap:RealEstatePolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Real Estate Owned&lt;/font&gt;: Real estate acquired through or instead of foreclosure is initially recorded at fair value less estimated
selling expenses at the date of acquisition, establishing a new cost basis. These assets are subsequently accounted for at lower
of cost or fair value less estimated costs to sell. If fair value declines subsequently, the carrying value is adjusted through
a valuation allowance and the amount is recorded through expense. Costs relating to holding real estate owned, net of rental income,
are charged against earnings as incurred.&lt;/font&gt;&lt;/p&gt;</us-gaap:RealEstatePolicyTextBlock>
  <us-gaap:PropertyPlantAndEquipmentPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Premises and Equipment&lt;/font&gt;: Land is carried at cost. Premises and equipment are carried at cost less accumulated depreciation.
The cost of premises and equipment includes expenditures which extend the useful lives of existing assets. Maintenance, repairs
and minor renewals are expensed as incurred. For financial reporting, depreciation is provided on the straight-line method over
the useful lives of the assets, estimated to be forty years for buildings, ten to forty years for building improvements, and five
to ten years for furniture and equipment. When management initiates a plan to dispose of assets, those assets are transferred
to fixed assets held for sale and evaluated for potential impairment. At June 30, 2020 and 2019, the Company has fixed assets
held for sale of $161,000 related to a branch office no longer in use and included in other assets on the balance sheet. No impairment
losses have been taken on the property.&lt;/font&gt;&lt;/p&gt;</us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>
  <us-gaap:AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">161000</us-gaap:AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue>
  <us-gaap:AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="0">161000</us-gaap:AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue>
  <us-gaap:IncomeTaxPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;10.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Income Taxes&lt;/font&gt;: Income tax expense is the total of the current year income tax due or refundable and the change in deferred
tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences
between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. Deferred tax assets are recorded
only to the extent that the amount of net deductible temporary differences or carryforward attributes may be utilized against
current period earnings, carried back against prior years&amp;#x2019; earnings, offset against taxable temporary differences reversing
in future periods, or utilized to the extent of management&amp;#x2019;s estimate of future taxable income. A valuation allowance, if
needed, reduces deferred tax assets to the amount expected to be realized. Deferred tax liabilities are provided on the total
amount of net temporary differences taxable in the future.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;A
tax provision is recognized as a benefit only if it is &amp;#x201c;more likely than not&amp;#x201d; that the tax position would be sustained
in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit
that is greater than 50% likely of being realized on examination. For tax positions not meeting the &amp;#x201c;more likely than not&amp;#x201d;
test, no tax benefit is recorded. The Company recognizes interest and/or penalties related to income tax matters as income tax
expense.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Kentucky
First Federal Bancorp and Frankfort First Bancorp, Inc., each are subject to state income taxes in the Commonwealth of Kentucky.
Neither of the Banks are subject to state income tax in the Commonwealth until January 1, 2021, according to legislation enacted
in the spring of 2019. On March 26, 2019, Kentucky enacted H.B. 354 repealing the bank franchise tax. On April 9, 2019, Kentucky
enacted related legislation, H.B. 458, which made technical corrections to H.B. 354. Beginning on or after January 1, 2021, the
banks will be subject to the corporation income tax and limited liability entity tax (&amp;#x201c;LLET&amp;#x201d;) instead of the savings
and loan tax. Because the banks operate on a fiscal year, they must file a short-year corporation income tax and LLET return and
pay any tax due for the period beginning January 1, 2021 through the end of the banks&amp;#x2019; normal fiscal year.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;As
a result of this legislation, in the fiscal year ended June 30, 2019, the Company recognized an income tax benefit of $63,000
to establish its deferred taxes for Kentucky and to record the net operating losses previously generated by the Company&amp;#x2019;s
mid-tier holding companies, which are expected to be utilized on a combined tax return. With few exceptions, the Company is no
longer subject to U.S. federal, state and local tax examinations by tax authorities for years before 2017.&lt;/font&gt;&lt;/p&gt;</us-gaap:IncomeTaxPolicyTextBlock>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations unitRef="pure" contextRef="c0_From1Jul2019To30Jun2020" decimals="2">0.50</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:OtherTaxExpenseBenefit unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="0">63000</us-gaap:OtherTaxExpenseBenefit>
  <us-gaap:CompensationAndEmployeeBenefitPlansTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;11.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Retirement and Employee Benefit Plans&lt;/font&gt;: The Banks participate in the Pentegra Defined Benefit Plan for Financial Institutions
(&amp;#x201c;The Pentegra DB Plan&amp;#x201d;), which is a tax-qualified, multi-employer defined benefit pension fund covering all employees
who qualify as to length of service. The Pentegra DB Plan&amp;#x2019;s Employer Identification Number is 13-5645888 and the Plan Number
is 333. The Pentegra DB Plan operates as a multi-employer plan for accounting purposes and as a multiple-employer plan under the
Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. The Pentegra DB Plan is a single plan under Internal
Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities. Accordingly, under the Pentegra
DB Plan contributions made by a participating employer may be used to provide benefits to participants of other participating
employers. Total contributions made to the Pentegra DB Plan, as reported on Form 5500, equal $138.3 million and $164.6 million
for the plan years ended June 30, 2019 and 2018, respectively. Our contributions for fiscal 2020 and 2019 were not more than 5%
of the total contributions made to the Pentegra DB Plan. Pension expense is the net contributions, which are based upon covered
employees&amp;#x2019; ages and salaries and are dependent upon the ultimate prescribed benefits of the participants and the funded
status of the plan. The Company recognized expense related to the plans totaling approximately $935,000 and $1.2 million for the
fiscal years ended June 30, 2020 and 2019, respectively. There are no collective bargaining agreements in place that require contributions
to the Pentegra DB Plan. As of July 1, 2019, the most recent period for which information is available, the Banks had an adjusted
funding target attainment percentage (&amp;#x201c;AFTAP&amp;#x201d;) of 86.98%. There are no funding improvement plans or surcharges to
participants. Effective July 1, 2016, sponsorship of the plan was transferred to the Company, benefits ratios were standardized
and prospectively each bank will contribute to the plan based generally on its pro rata share of future benefits. Effective April
1, 2019, the Company elected to freeze benefits to its employee participants.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company also maintains a nonqualified deferred compensation plan for the benefit of certain directors, which is closed to any
future deferrals. The expense incurred for the deferred compensation was $2,000 and $2,000 for the fiscal years ended June 30,
2020 and 2019, respectively, while the liabilities totaled $51,000 and $49,000 at June 30, 2020 and 2019, respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company maintains an Employee Stock Ownership Plan (&amp;#x201c;ESOP&amp;#x201d;) which provides retirement benefits for substantially all
full-time employees who have completed one year of service and have attained the age of 21. Annual contributions are made to the
ESOP equal to the ESOP&amp;#x2019;s debt service less dividends received by the ESOP on unallocated shares. Shares in the ESOP were
acquired using funds provided by a loan from the Company and, accordingly, the cost of those shares is shown as a reduction of
stockholders&amp;#x2019; equity. Shares are released to participants proportionately as the loan is repaid. Dividends on allocated
shares are recorded as dividends and charged to retained earnings. Dividends on unallocated shares are used to repay loan principal
and accrued interest. Compensation expense is recorded equal to the fair value of shares committed to be released during a given
fiscal year. Allocation of shares to the ESOP participants is contingent upon the repayment of a loan to Kentucky First Federal
Bancorp totaling $528,000 and $765,000 at June 30, 2020 and 2019, respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company recorded expense for the ESOP of approximately $135,000 and $144,000 for the years ended June 30, 2020 and 2019, respectively.
Shares may be surrendered from the plan as employees leave employment. Total shares surrendered from the plan totaled 194,445
and 156,787 at June 30, 2020 and 2019, respectively. The amounts contributed to the ESOP were $280,000 for each of the years 2020
and 2019.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;For
    the fiscal year ended&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30,&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Allocated
    shares&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;104,254&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;123,241&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Shares
    committed to be released&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,338&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,338&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unearned
    shares&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;28,936&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;47,607&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total
    ESOP shares&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;142,528&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;180,186&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt; text-indent: -0.125in; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    value of unearned shares at End of period&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;195,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;374,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company maintains a 401(k) plan for the benefit of all full-time employees. No employer contributions have been made to the 401(k)
plan.&lt;/font&gt;&lt;/p&gt;</us-gaap:CompensationAndEmployeeBenefitPlansTextBlock>
  <us-gaap:GeneralDiscussionOfPensionAndOtherPostretirementBenefits contextRef="c0_From1Jul2019To30Jun2020">The Pentegra DB Plan is a single plan under Internal Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities. Accordingly, under the Pentegra DB Plan contributions made by a participating employer may be used to provide benefits to participants of other participating employers. Total contributions made to the Pentegra DB Plan, as reported on Form 5500, equal $138.3 million and $164.6 million for the plan years ended June 30, 2019 and 2018, respectively. Our contributions for fiscal 2020 and 2019 were not more than 5% of the total contributions made to the Pentegra DB Plan. Pension expense is the net contributions, which are based upon covered employees&amp;#x2019; ages and salaries and are dependent upon the ultimate prescribed benefits of the participants and the funded status of the plan. The Company recognized expense related to the plans totaling approximately $935,000 and $1.2 million for the fiscal years ended June 30, 2020 and 2019, respectively. There are no collective bargaining agreements in place that require contributions to the Pentegra DB Plan. As of July 1, 2019, the most recent period for which information is available, the Banks had an adjusted funding target attainment percentage (&amp;#x201c;AFTAP&amp;#x201d;) of 86.98%. There are no funding improvement plans or surcharges to participants. Effective July 1, 2016, sponsorship of the plan was transferred to the Company, benefits ratios were standardized and prospectively each bank will contribute to the plan based generally on its pro rata share of future benefits. Effective April 1, 2019, the Company elected to freeze benefits to its employee participants.</us-gaap:GeneralDiscussionOfPensionAndOtherPostretirementBenefits>
  <us-gaap:DeferredCompensationLiabilityCurrent unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">2000</us-gaap:DeferredCompensationLiabilityCurrent>
  <us-gaap:DeferredCompensationLiabilityCurrent unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="0">2000</us-gaap:DeferredCompensationLiabilityCurrent>
  <us-gaap:DeferredCompensationShareBasedArrangementsLiabilityCurrent unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">51000</us-gaap:DeferredCompensationShareBasedArrangementsLiabilityCurrent>
  <us-gaap:DeferredCompensationShareBasedArrangementsLiabilityCurrent unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="0">49000</us-gaap:DeferredCompensationShareBasedArrangementsLiabilityCurrent>
  <us-gaap:EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">528000</us-gaap:EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount>
  <us-gaap:EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="0">765000</us-gaap:EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount>
  <kffb:EmployeeStockOwnershipPlanESOPCompensationExpenses unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="0">135000</kffb:EmployeeStockOwnershipPlanESOPCompensationExpenses>
  <kffb:EmployeeStockOwnershipPlanESOPCompensationExpenses unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="0">144000</kffb:EmployeeStockOwnershipPlanESOPCompensationExpenses>
  <us-gaap:EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares unitRef="shares" contextRef="c3_AsOf30Jun2020" decimals="INF">194445</us-gaap:EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares>
  <us-gaap:EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares unitRef="shares" contextRef="c4_AsOf30Jun2019" decimals="INF">156787</us-gaap:EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares>
  <us-gaap:EmployeeStockOwnershipPlanESOPCashContributionsToESOP unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="0">280000</us-gaap:EmployeeStockOwnershipPlanESOPCashContributionsToESOP>
  <us-gaap:EmployeeStockOwnershipPlanESOPCashContributionsToESOP unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="0">280000</us-gaap:EmployeeStockOwnershipPlanESOPCashContributionsToESOP>
  <us-gaap:EarningsPerSharePolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;12.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Earnings Per Share&lt;/font&gt;: Diluted earnings per share is computed taking into consideration common shares outstanding and dilutive
potential common shares to be issued or released under the Company&amp;#x2019;s share-based compensation plans. There is no adjustment
to net earnings for the calculation of diluted earnings per share. The factors used in the basic and diluted earnings per share
computations for the fiscal years ended June 30 follow:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;For
    the fiscal year ended&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30,&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Net
    (loss) income allocated to common shareholders, basic and diluted&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(12,547,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;812,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(LOSS)
    EARNINGS PER SHARE&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(1.52&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;0.10&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Weighted
    average common shares outstanding, basic and diluted&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8,251,860&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8,335,612&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Basic
earnings per share is computed based upon the weighted-average shares outstanding during the year (which excludes treasury shares)
less average shares in the ESOP that are unallocated and not committed to be released. There were no options outstanding for fiscal
years 2020 and 2019.&lt;/font&gt;&lt;/p&gt;</us-gaap:EarningsPerSharePolicyTextBlock>
  <us-gaap:FairValueMeasurementPolicyPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Fair Value of Assets and Liabilities&lt;/font&gt;: Fair value is the exchange price that would be received for an asset or paid to transfer
a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between
market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Level
1&lt;/b&gt; - Quoted prices in active markets for identical assets or liabilities that the entity has the ability to access as of the
measurement date.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Level
2&lt;/b&gt; - Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in
markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially
the full term of the assets or liabilities.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Level
3 &lt;/b&gt;&amp;#x2013; Significant unobservable inputs that reflect a company&amp;#x2019;s own assumptions about the assumptions that market
participants would use in pricing an asset or liability.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Following
is a description of the valuation methodologies used for assets measured at fair value on a recurring basis and recognized in
the accompanying balance sheet, as well as the general classification of such instruments pursuant to the valuation hierarchy.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Securities&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Where
quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If
quoted market prices are not available, then fair values are estimated by using matrix pricing, which is a mathematical technique
widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities
but rather by relying on the securities&amp;#x2019; relationship to other benchmark quoted securities (Level 2 inputs).&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following table presents the fair value measurements of assets and liabilities measured at fair value on a recurring basis at
June 30, 2020 and 2019. The securities represented are only those classified as available-for sale.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;10&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value Measurements Using&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Quotes
    Prices&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;in
    Active&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Significant&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Markets
    for&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Significant&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Identical&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Observable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unobservable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    1)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    2)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    3)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    bonds&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    mortgage-backed: residential&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;U.S.
    Treasury notes&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;497&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;497&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    bonds&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;505&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;505&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    mortgage-backed: residential&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;There
were no transfers between levels 1 and 2.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Following
is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and
recognized in the accompanying consolidated balance sheet, as well as the general classification of such assets pursuant to the
valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported
fair value is described below.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Impaired
Loans&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent independent
real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable
sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences
between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level
3 classification of the inputs for determining fair value and totaled $0 and $13,000 for the years ended June 30, 2020 and 2019,
respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Independent
appraisals for collateral-dependent loans are updated periodically (usually every 12-24 months depending on the size of the loan
and the loan-to-value ratio).&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Real
Estate Owned&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Real
estate properties acquired through or instead of loan foreclosure are initially recorded as real estate owned (&amp;#x201c;REO&amp;#x201d;)
at fair value, less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at
lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which
are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches
including comparable sales and the income approach with data from comparable properties. Adjustments are routinely made in the
appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available.
Such adjustments were $36,000 and $66,000 for the fiscal years 2020 and 2019, respectively, and resulted in a Level 3 classification
of the inputs for determining fair value.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following table presents the fair value measurements of assets and liabilities measured at fair value on a nonrecurring basis
at June 30, 2020 and 2019.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;10&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value Measurements Using&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Quotes
    Prices&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;in
    Active&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Significant&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Markets
    for&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Significant&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Identical&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Observable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unobservable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
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    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
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    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;2020&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other
    real estate owned, net&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;2019&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other
    real estate owned, net&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at
fair value on a non-recurring basis at June 30, 2020 and 2019:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Range&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Valuation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unobservable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Weighted&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Input(s)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Average)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 25%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Foreclosed
    and repossessed assets:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1-4
    family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Sales
    comparison approach&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Adjustments
    for differences between comparable sales&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-2.7%
    to 41.2% (20.4%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Range&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Valuation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unobservable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Weighted&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Input(s)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Average)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;Loans:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; width: 25%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1-4
    family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Sales
    comparison approach&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Adjustments
    for differences between comparable sales&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;25.3%
    to -50.6% (-0.6%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Foreclosed
    and repossessed assets:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1-4
    family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Sales
    comparison approach&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Adjustments
    for differences between comparable sales&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8.6%
    to 31.0% (29.0%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following disclosure of the fair value of financial instruments, both assets and liabilities, whether or not recognized in the
consolidated balance sheet, is based on the assumptions presented for each particular item and for which it is practicable to
estimate that value. For financial instruments where quoted market prices are not available, fair values are based on estimates
using present value and other valuation methods.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
methods used are greatly affected by the assumptions applied, including the discount rate and estimates of future cash flows.
Therefore, the fair values presented may not represent amounts that could be realized in an exchange for certain financial instruments.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
Company&amp;#x2019;s financial instruments at June 30, 2020 and 2019 are as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value Measurements at&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;b&gt;Carrying&lt;/b&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2020 Using&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt; Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Financial
    assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Cash
    and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13,702&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13,702&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13,702&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Time
    deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,229&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,252&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,252&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Available-for-sale
    securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Held-to-maturity
    securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;611&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;611&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;285,887&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;295,431&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;295,431&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,498&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    interest receivable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;830&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;830&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;830&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Financial
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;213,118&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;54,715&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;55,416&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;55,416&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Advances
    by borrowers for taxes and insurance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;800&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;800&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;800&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Accrued
    interest payable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td colspan=&quot;5&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value Measurements at&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;b&gt;Carrying&lt;/b&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2019 Using&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt; Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Financial
    assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Cash
    and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,861&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,861&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,861&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Time
    deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,963&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,963&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Available-for-sale
    securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Held-to-maturity
    securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    receivable - net&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;280,969&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;285,700&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;758&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;195,836&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;69,944&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;123,920&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;193,864&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Federal
    Home Loan Bank advances&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;66,703&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;66,719&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;66,719&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Advances
    by borrowers for taxes and insurance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;763&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;763&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;763&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Accrued
    interest payable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</us-gaap:FairValueMeasurementPolicyPolicyTextBlock>
  <us-gaap:ServicingAssetAtFairValueAmount unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">0</us-gaap:ServicingAssetAtFairValueAmount>
  <us-gaap:ServicingAssetAtFairValueAmount unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="0">13000</us-gaap:ServicingAssetAtFairValueAmount>
  <kffb:RealEstateOwnershipAmount unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="0">36000</kffb:RealEstateOwnershipAmount>
  <kffb:RealEstateOwnershipAmount unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="0">66000</kffb:RealEstateOwnershipAmount>
  <us-gaap:CashAndCashEquivalentsPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;14.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Cash and Cash Equivalents&lt;/font&gt;: For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks
and interest-bearing deposits in other financial institutions with original maturities of less than ninety days.&lt;/font&gt;&lt;/p&gt;</us-gaap:CashAndCashEquivalentsPolicyTextBlock>
  <us-gaap:DebtInstrumentMaturityDateDescription contextRef="c0_From1Jul2019To30Jun2020">For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks and interest-bearing deposits in other financial institutions with original maturities of less than ninety days.</us-gaap:DebtInstrumentMaturityDateDescription>
  <us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;15.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Goodwill&lt;/font&gt;: Goodwill of $14.5 million was originally recorded in March 2005 when the Company, as part of its initial public
offering, purchased Frankfort First Bancorp, Inc., with a portion of the stock and cash proceeds from the offering. Goodwill and
intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized,
but tested for impairment at least annually. The Company has selected March 31 as the date to perform its annual impairment test
with more frequent monitoring if circumstances warrant. Intangible assets with definite useful lives are amortized over their
estimated useful lives to their estimated residual values. Goodwill is the only intangible asset with an indefinite life on our
balance sheet. The Company adopted ASU No. 2017-04, &lt;i&gt;Intangibles-Goodwill and Other (Topic 350) Simplifying the Test for Goodwill
Impairment, &lt;/i&gt;effective April 1, 2020.&lt;/font&gt;&lt;/p&gt;</us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock>
  <kffb:GoodwillAmount unitRef="usd" contextRef="c38_AsOf31Mar2005" decimals="-5">14500000</kffb:GoodwillAmount>
  <kffb:CashSurrenderValueOfLifeInsurancePolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;16.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Cash Surrender Value of Life Insurance&lt;/font&gt;: First Federal of Kentucky has purchased life insurance policies on certain key
executives. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance
sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.&lt;/font&gt;&lt;/p&gt;</kffb:CashSurrenderValueOfLifeInsurancePolicyTextBlock>
  <kffb:TreasuryStockPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;17.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Treasury Stock&lt;/font&gt;: Treasury stock is stated at cost. Cost is determined by the first-in, first-out method.&lt;/font&gt;&lt;/p&gt;</kffb:TreasuryStockPolicyTextBlock>
  <kffb:RelatedPartyTransactionsPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;18.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Related Party Transactions&lt;/font&gt;: Loans outstanding to executive officers, directors, significant shareholders and their affiliates
(related parties) at June 30, 2020 and 2019 are summarized as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Outstanding
    principal, beginning of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,246&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;845&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Changes
    in composition of related parties&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(129&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Principal
    disbursed during the year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;538&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Principal
    repaid and refinanced during the year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(70&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(137&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Outstanding
    principal, end of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,047&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,246&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Deposits
from related parties held by the Company at June 30, 2020 and 2019 totaled $3.3 million and $2.2 million, respectively.&lt;/font&gt;&lt;/p&gt;</kffb:RelatedPartyTransactionsPolicyTextBlock>
  <us-gaap:DueFromOtherRelatedParties unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-5">3300000</us-gaap:DueFromOtherRelatedParties>
  <us-gaap:DueFromOtherRelatedParties unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-5">2200000</us-gaap:DueFromOtherRelatedParties>
  <us-gaap:ComprehensiveIncomePolicyPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;19.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Comprehensive Income and Accumulated Comprehensive Income&lt;/font&gt;: Comprehensive income consists of net income and other comprehensive
income. Other comprehensive income includes unrealized gains and losses on securities available for sale, net of tax, for the
period which are also recognized as separate components of equity. Accumulated comprehensive income consists solely of unrealized
gain or loss on available-for-sale securities at the end of the period.&lt;/font&gt;&lt;/p&gt;</us-gaap:ComprehensiveIncomePolicyPolicyTextBlock>
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  <us-gaap:RevenueRecognitionPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;20.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Revenue Recognition&lt;/font&gt;: The Company&amp;#x2019;s revenue-generating activities accounted for under Topic 606 includes primarily
service charges and fees on deposits and other service charges and fees and comprise the majority of other non-interest income
on the statement of income. Service charges and fees on deposits are primarily overdraft fees, dormant account fees, and service
charges on checking and savings accounts. Overdraft fees are recognized at the time an account is overdrawn. Dormant account fees
are recognized when an account is inactive for at least 365 days. Service charges on checking and savings accounts are primarily
account maintenance services performed and recognized in the same calendar month. Other deposit-based service charges and fees
include transaction-based services completed at the request of the customer and recognized at the time the transaction is completed.
These transaction-based services include ATM usage and stop payment services. All service charges and fees on deposits are withdrawn
from the customer&amp;#x2019;s account at the time the service is provided.&lt;/font&gt;&lt;/p&gt;</us-gaap:RevenueRecognitionPolicyTextBlock>
  <us-gaap:CommitmentsAndContingenciesPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;21.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Loss Contingencies&lt;/font&gt;: Loss contingencies, including claims and legal actions arising in the ordinary course of business,
are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Management does not believe there now are such matters that will have a material effect on the financial statements.&lt;/font&gt;&lt;/p&gt;</us-gaap:CommitmentsAndContingenciesPolicyTextBlock>
  <us-gaap:LoanCommitmentsPolicy contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;22.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Loan Commitments and Related Financial Instruments&lt;/font&gt;: Financial instruments include off-balance sheet credit instruments,
such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for
these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments
are recorded when they are funded.&lt;/font&gt;&lt;/p&gt;</us-gaap:LoanCommitmentsPolicy>
  <kffb:DividendRestrictionPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;23.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Dividend Restriction&lt;/font&gt;: Banking regulations require maintaining certain capital levels and may limit the dividends paid by
the banks to the holding company or by the holding company to shareholders.&lt;/font&gt;&lt;/p&gt;</kffb:DividendRestrictionPolicyTextBlock>
  <kffb:OperatingSegementPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;24.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Operating Segments&lt;/font&gt;: While the chief decision-makers monitor the revenue streams of the various products and services, operations
are managed and financial performance is evaluated on a Company-wide basis. Operating segments are aggregated into one as operating
results for all segments are similar. Accordingly, all of the financial service operations are considered by management to be
aggregated in one reportable operating segment.&lt;/font&gt;&lt;/p&gt;</kffb:OperatingSegementPolicyTextBlock>
  <us-gaap:NumberOfReportingUnits unitRef="pure" contextRef="c0_From1Jul2019To30Jun2020" decimals="INF">1</us-gaap:NumberOfReportingUnits>
  <kffb:ReclassificationsPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;25.
&lt;font style=&quot;text-decoration:underline&quot;&gt;Reclassifications&lt;/font&gt;: Some items in the prior year financial statements were reclassified to conform to the current presentation.
Reclassifications had no effect on prior year net income or shareholders&amp;#x2019; equity.&lt;/font&gt;&lt;/p&gt;</kffb:ReclassificationsPolicyTextBlock>
  <us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;26.
&lt;font style=&quot;text-decoration:underline&quot;&gt;New Accounting Standards:&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;&lt;i&gt;FASB
ASC 326 -&lt;/i&gt;&lt;/b&gt; In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments &amp;#x2013; Credit Losses (Topic 326): Measurement
of Credit Losses on Financial Instruments.&amp;#xa0; The final standard will change estimates for credit losses related to financial
assets measured at amortized cost such as loans, held-to-maturity debt securities, and certain other contracts. For estimating
credit losses, the FASB is replacing the incurred loss model with an expected loss model, which is referred to as the current
expected credit loss (CECL) model. The Company will now use forward-looking information to enhance its credit loss estimates.
The amendment requires enhanced disclosures to aid investors and other users of financial statements to better understand significant
estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of our portfolio.
The largest impact to the Company will be on its allowance for loan and lease losses, although the ASU also amends the accounting
for credit losses on available-for-sale debt securities, held-to-maturity securities, and purchased financial assets with credit
deterioration. The standard is effective for public companies for annual periods and interim periods within those annual periods
beginning after December 15, 2019. However, the FASB has delayed the implementation of the ASU for smaller reporting companies
until years beginning after December 15, 2022, or in the Company&amp;#x2019;s case the fiscal year beginning July 1, 2023.&amp;#xa0; ASU
2016-13 will be applied through a cumulative effect adjustment to retained earnings (modified-retrospective approach), except
for debt securities for which an other-than-temporary impairment had been recognized before the effective date. A prospective
transition approach is required for these debt securities. We have formed a functional committee that is assessing our data and
system needs and are evaluating the impact of adopting the new guidance. We expect to recognize a one-time cumulative effect adjustment
to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but
cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated
financial statements. However, the Company does expect ASU 2016-13 to add complexity and costs to its current credit loss evaluation
process.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;&lt;i&gt;FASB
ASC 842 &amp;#x2013;&lt;/i&gt;&lt;/b&gt; In March 2017, the FASB issued ASU No. 2016-02, &lt;i&gt;Leases (Topic 842). &lt;/i&gt;This guidance changes lease
accounting by introducing the core principle that a lessee should recognize the assets and liabilities that arise from operating
leases under the premise that all leases create an asset and a liability for the lessee in accordance with FASB Concepts Statement
No. 6, &lt;i&gt;Elements of Financial &lt;/i&gt;Statements. The Company adopted this ASU effective July 1, 2019, with no recordation of right-to-use
lease assets or operating lease liabilities, because the level of operating leases was determined to be immaterial.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;&lt;i&gt;FASB
ASC 350 &amp;#x2013;&lt;/i&gt;&lt;/b&gt; In January 2017, the FASB issued ASU No. 2017-04, &lt;i&gt;Intangibles-Goodwill and Other (Topic 350) Simplifying
the Test for Goodwill Impairment. &lt;/i&gt;This guidance modifies the concept of impairment from the condition that exists when the
carrying amount of goodwill exceeds its implied fair value to the condition that exists when the carrying amount of a reporting
unit exceeds its fair value. For public business entities, the amendments in this update are effective for fiscal years, and the
interim periods within those fiscal years, beginning after December 15, 2019. The Company adopted ASU No. 2017-04 effective April
1, 2020, and recorded a goodwill impairment charge, which had no tax impact, of $13.6 million, or $1.64 per common share, during
the quarter ended June 30, 2020, which represented 93.5% of goodwill previously reported.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;&lt;i&gt;FASB
ASC 820 &amp;#x2013;&lt;/i&gt;&lt;/b&gt; In August 2018, the FASB issued ASU No. 2018-13, &lt;i&gt;Fair Value Measurement (Topic 820) Disclosure Framework-Changes
to the Disclosure Requirements for Fair Value Measurement. &lt;/i&gt;This guidance reduces the level of detail surrounding the processes
used by the Company in determining the fair value of some of its assets. For public business entities, the amendments in this
update are effective for fiscal years, and the interim periods within those fiscal years, beginning after December 15, 2019, or
July 1, 2020, with respect to the Company.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;&lt;i&gt;FASB
ASC 740&amp;#x2013;&lt;/i&gt;&lt;/b&gt; In December 2019, the FASB issued ASU 2019-12, &lt;i&gt;Income Taxes (Topic 740), Simplifying the Accounting
for Income Taxes. &lt;/i&gt;The amendments in this ASU removes certain exceptions for recognizing deferred taxes for investments, performing
intraperiod allocation and calculating income taxes during interim periods. The ASU also adds guidance to reduce complexity in
certain areas, including recognizing deferred taxes for tax goodwill and allocating taxes to members of a consolidated group.
For public business entities, the amendments in this ASU are effective for fiscal years, and interim periods within those fiscal
years, beginning after December 15, 2020, or July 1, 2021, with respect to the Company. Early adoption is permitted. We do not
anticipate a significant impact to our consolidated financial statements.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other
accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have
a material impact on the Company&amp;#x2019;s financial position, results of operations or cash flows.&lt;/font&gt;&lt;/p&gt;</us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock>
  <us-gaap:GoodwillAndIntangibleAssetImpairment unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-5">13600000</us-gaap:GoodwillAndIntangibleAssetImpairment>
  <kffb:SalesOfStockPricePerShare unitRef="usdPershares" contextRef="c4_AsOf30Jun2019" decimals="2">1.64</kffb:SalesOfStockPricePerShare>
  <kffb:GoodwillPercentage unitRef="pure" contextRef="c0_From1Jul2019To30Jun2020" decimals="3">0.935</kffb:GoodwillPercentage>
  <kffb:ScheduleOfRetirementAndEmployeeBenefitPlansTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;For
    the fiscal year ended&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30,&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Allocated
    shares&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;104,254&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;123,241&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Shares
    committed to be released&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,338&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,338&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unearned
    shares&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;28,936&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;47,607&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total
    ESOP shares&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;142,528&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;180,186&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt; text-indent: -0.125in; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    value of unearned shares at End of period&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;195,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;374,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</kffb:ScheduleOfRetirementAndEmployeeBenefitPlansTableTextBlock>
  <us-gaap:DistributedEarnings unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="0">104254</us-gaap:DistributedEarnings>
  <us-gaap:DistributedEarnings unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="0">123241</us-gaap:DistributedEarnings>
  <kffb:SharesCommittedToBeReleased unitRef="shares" contextRef="c0_From1Jul2019To30Jun2020" decimals="INF">9338</kffb:SharesCommittedToBeReleased>
  <kffb:SharesCommittedToBeReleased unitRef="shares" contextRef="c5_From1Jul2018To30Jun2019" decimals="INF">9338</kffb:SharesCommittedToBeReleased>
  <kffb:UnearnedESOPShares1 unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">28936</kffb:UnearnedESOPShares1>
  <kffb:UnearnedESOPShares1 unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="0">47607</kffb:UnearnedESOPShares1>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount unitRef="shares" contextRef="c0_From1Jul2019To30Jun2020" decimals="INF">142528</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount unitRef="shares" contextRef="c5_From1Jul2018To30Jun2019" decimals="INF">180186</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">195000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="0">374000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;For
    the fiscal year ended&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30,&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Net
    (loss) income allocated to common shareholders, basic and diluted&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(12,547,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;812,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(LOSS)
    EARNINGS PER SHARE&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(1.52&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;0.10&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Weighted
    average common shares outstanding, basic and diluted&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8,251,860&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8,335,612&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
  <us-gaap:WeightedAverageNumberOfShareOutstandingBasicAndDiluted unitRef="shares" contextRef="c0_From1Jul2019To30Jun2020" decimals="INF">8251860</us-gaap:WeightedAverageNumberOfShareOutstandingBasicAndDiluted>
  <us-gaap:WeightedAverageNumberOfShareOutstandingBasicAndDiluted unitRef="shares" contextRef="c5_From1Jul2018To30Jun2019" decimals="INF">8335612</us-gaap:WeightedAverageNumberOfShareOutstandingBasicAndDiluted>
  <us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;10&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value Measurements Using&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Quotes
    Prices&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;in
    Active&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Significant&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Markets
    for&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Significant&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Identical&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Observable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unobservable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    1)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    2)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    3)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    bonds&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    mortgage-backed: residential&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;U.S.
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    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Markets
    for&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Significant&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Identical&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Observable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unobservable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Inputs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    1)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    2)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Level
    3)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;2020&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Other
    real estate owned, net&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;2019&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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  <us-gaap:AssetsFairValueDisclosure unitRef="usd" contextRef="c59_AsOf30Jun2020_ResidentialRealEstateOneToFourFamilyMember_LoansOneToFourFamilyMember" decimals="-3">465000</us-gaap:AssetsFairValueDisclosure>
  <us-gaap:AssetsFairValueDisclosure unitRef="usd" contextRef="c60_AsOf30Jun2020_ResidentialRealEstateOneToFourFamilyMember_FairValueInputsLevel1Member_LoansOneToFourFamilyMember" xs:nil="true"/>
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  <us-gaap:AssetsFairValueDisclosure unitRef="usd" contextRef="c62_AsOf30Jun2020_ResidentialRealEstateOneToFourFamilyMember_FairValueInputsLevel3Member_LoansOneToFourFamilyMember" decimals="-3">465000</us-gaap:AssetsFairValueDisclosure>
  <us-gaap:AssetsFairValueDisclosure unitRef="usd" contextRef="c63_AsOf30Jun2019_LoansOneMember_LoansOneToFourFamilyMember" decimals="-3">593000</us-gaap:AssetsFairValueDisclosure>
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  <us-gaap:AssetsFairValueDisclosure unitRef="usd" contextRef="c66_AsOf30Jun2019_LoansOneMember_FairValueInputsLevel3Member_LoansOneToFourFamilyMember" decimals="-3">593000</us-gaap:AssetsFairValueDisclosure>
  <us-gaap:AssetsFairValueDisclosure unitRef="usd" contextRef="c67_AsOf30Jun2019_ResidentialRealEstateOneToFourFamilyMember_LoansOneToFourFamilyMember" decimals="-3">117000</us-gaap:AssetsFairValueDisclosure>
  <us-gaap:AssetsFairValueDisclosure unitRef="usd" contextRef="c68_AsOf30Jun2019_ResidentialRealEstateOneToFourFamilyMember_FairValueInputsLevel1Member_LoansOneToFourFamilyMember" xs:nil="true"/>
  <us-gaap:AssetsFairValueDisclosure unitRef="usd" contextRef="c69_AsOf30Jun2019_ResidentialRealEstateOneToFourFamilyMember_FairValueInputsLevel2Member_LoansOneToFourFamilyMember" xs:nil="true"/>
  <us-gaap:AssetsFairValueDisclosure unitRef="usd" contextRef="c70_AsOf30Jun2019_ResidentialRealEstateOneToFourFamilyMember_FairValueInputsLevel3Member_LoansOneToFourFamilyMember" decimals="-3">117000</us-gaap:AssetsFairValueDisclosure>
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Valuation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Weighted&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
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    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Input(s)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Average)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 25%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Foreclosed
    and repossessed assets:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1-4
    family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;465&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Sales
    comparison approach&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Adjustments
    for differences between comparable sales&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-2.7%
    to 41.2% (20.4%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Range&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Valuation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unobservable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(Weighted&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Technique(s)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Input(s)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Average)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;Loans:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; width: 25%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1-4
    family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Sales
    comparison approach&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Adjustments
    for differences between comparable sales&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;25.3%
    to -50.6% (-0.6%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Foreclosed
    and repossessed assets:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1-4
    family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;117&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Sales
    comparison approach&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Adjustments
    for differences between comparable sales&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8.6%
    to 31.0% (29.0%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisValuationTechniquesTextBlock>
  <kffb:AvailableForSalesSecuritiesFairValue unitRef="usd" contextRef="c71_AsOf30Jun2020_ResidentialRealEstateOneToFourFamilyMember_RepossessedAssetsMember" decimals="-3">465000</kffb:AvailableForSalesSecuritiesFairValue>
  <kffb:ValuationTechniques contextRef="c72_From1Jul2019To30Jun2020_ResidentialRealEstateOneToFourFamilyMember_RepossessedAssetsMember">Sales comparison approach</kffb:ValuationTechniques>
  <kffb:FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription contextRef="c72_From1Jul2019To30Jun2020_ResidentialRealEstateOneToFourFamilyMember_RepossessedAssetsMember">Adjustments for differences between comparable sales</kffb:FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription>
  <kffb:FairValueAssumptionsWeightedAverageVolatilityRateDescription contextRef="c72_From1Jul2019To30Jun2020_ResidentialRealEstateOneToFourFamilyMember_RepossessedAssetsMember">-2.7% to 41.2% (20.4%)</kffb:FairValueAssumptionsWeightedAverageVolatilityRateDescription>
  <kffb:AvailableForSalesSecuritiesFairValue unitRef="usd" contextRef="c73_AsOf30Jun2019_LoansOneToFourFamilyMember" decimals="-3">593000</kffb:AvailableForSalesSecuritiesFairValue>
  <kffb:ValuationTechniques contextRef="c74_From1Jul2018To30Jun2019_LoansOneToFourFamilyMember">Sales comparison approach</kffb:ValuationTechniques>
  <kffb:FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription contextRef="c74_From1Jul2018To30Jun2019_LoansOneToFourFamilyMember">Adjustments for differences between comparable sales</kffb:FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription>
  <kffb:FairValueAssumptionsWeightedAverageVolatilityRateDescription contextRef="c74_From1Jul2018To30Jun2019_LoansOneToFourFamilyMember">25.3% to -50.6% (-0.6%)</kffb:FairValueAssumptionsWeightedAverageVolatilityRateDescription>
  <kffb:AvailableForSalesSecuritiesFairValue unitRef="usd" contextRef="c75_AsOf30Jun2019_ResidentialRealEstateOneToFourFamilyMember_RepossessedAssetsMember" decimals="-3">117000</kffb:AvailableForSalesSecuritiesFairValue>
  <kffb:ValuationTechniques contextRef="c76_From1Jul2018To30Jun2019_ResidentialRealEstateOneToFourFamilyMember_RepossessedAssetsMember">Sales comparison approach</kffb:ValuationTechniques>
  <kffb:FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription contextRef="c76_From1Jul2018To30Jun2019_ResidentialRealEstateOneToFourFamilyMember_RepossessedAssetsMember">Adjustments for differences between comparable sales</kffb:FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription>
  <kffb:FairValueAssumptionsWeightedAverageVolatilityRateDescription contextRef="c76_From1Jul2018To30Jun2019_ResidentialRealEstateOneToFourFamilyMember_RepossessedAssetsMember">8.6% to 31.0% (29.0%)</kffb:FairValueAssumptionsWeightedAverageVolatilityRateDescription>
  <us-gaap:FairValueByBalanceSheetGroupingTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value Measurements at&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;b&gt;Carrying&lt;/b&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2020 Using&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt; Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Financial
    assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Cash
    and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13,702&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13,702&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13,702&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Time
    deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,229&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,252&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,252&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Available-for-sale
    securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Held-to-maturity
    securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;598&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;611&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;611&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;295,431&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;n/a&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;830&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Financial
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;212,273&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;78,118&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;135,000&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;213,118&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Federal
    Home Loan Bank advances&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;54,715&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;55,416&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;55,416&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Advances
    by borrowers for taxes and insurance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;800&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;800&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;800&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Accrued
    interest payable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td colspan=&quot;5&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Fair
    Value Measurements at&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;b&gt;Carrying&lt;/b&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2019 Using&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt; Value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Level
    3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Financial
    assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Cash
    and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,861&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,861&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;9,861&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Time
    deposits in other financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,963&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;280,969&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;285,700&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;285,700&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,482&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;193,864&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Outstanding
    principal, end of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,047&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,246&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</kffb:ScheduleOfLoansOutstandingTableTextBlock>
  <kffb:OutstandingPrincipalAmount unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">1246000</kffb:OutstandingPrincipalAmount>
  <kffb:OutstandingPrincipalAmount unitRef="usd" contextRef="c12_AsOf30Jun2018" decimals="-3">845000</kffb:OutstandingPrincipalAmount>
  <kffb:ChangesInCompositionOfRelatedParties unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">-129000</kffb:ChangesInCompositionOfRelatedParties>
  <kffb:ChangesInCompositionOfRelatedParties unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" xs:nil="true"/>
  <kffb:PrincipalDisbursed unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" xs:nil="true"/>
  <kffb:PrincipalDisbursed unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">538000</kffb:PrincipalDisbursed>
  <kffb:PrincipalRepaidAndRefinanced unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">-70000</kffb:PrincipalRepaidAndRefinanced>
  <kffb:PrincipalRepaidAndRefinanced unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">-137000</kffb:PrincipalRepaidAndRefinanced>
  <kffb:OutstandingPrincipalAmount unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">1047000</kffb:OutstandingPrincipalAmount>
  <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;NOTE
B &amp;#x2013; SECURITIES&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following table summarizes the amortized cost and fair value of the available for sale securities and held to maturity investment
securities portfolio at June 30, 2020 and 2019 and the corresponding amounts of gross unrealized or unrecognized gains and losses.
Unrealized gains or losses apply to available-for-sale securities and are recognized in accumulated other comprehensive income,
while unrecognized gains or losses on held-to-maturity securities are not recognized in the financial statements. The gains and
losses are as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Amortized
    cost&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Gross
    unrealized/ unrecognized gains&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Gross
    unrealized/ unrecognized losses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Estimated&lt;br/&gt;
fair value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Available-for-sale
    Securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    bonds&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;500&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    mortgage-backed:residential&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;538&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Held-to-maturity
    Securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    mortgage-backed: residential&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;598&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;611&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Amortized
    cost&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Gross
    unrealized/ unrecognized gains&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Gross
    unrealized/ unrecognized losses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Estimated
    fair value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
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    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,040&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Held-to-maturity
    Securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    mortgage-backed: residential&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;At
June 30, 2020, the Company&amp;#x2019;s debt securities consisted of a single agency bond and mortgage-backed securities, which do
not have a single maturity date. The bond, which had an amortized cost of $500,000 and a fair value of $503,000 at June 30, 2020,
matures within one year. Actual maturities may differ from contractual maturities, because borrowers may have the right to call
or prepay obligations with or without call or prepayment penalties. Securities without a single maturity, primarily mortgage-backed,
are not shown.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;There
were no sales of securities during the fiscal year ended June 30, 2020 or 2019. At June 30, 2020 the Company had $67,000 in held-to-maturity
mortgage-backed securities with gross unrealized losses of $3,000, while at June 30, 2019, the Company had $545,000 in held-to-maturity
mortgage-backed securities with gross unrealized losses of $14,000. Unrealized losses on agency mortgage-backed securities have
not been recognized into income because they are of high credit quality (rated AA or higher), management does not intend to sell
and it is likely that management will not be required to sell the securities prior to their anticipated recovery, and the decline
in fair value is largely due to changes in interest rates and other market conditions. The fair value is expected to recover as
the investments reach maturity.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;At
June 30, 2020 and 2019, pledged securities totaled $1.9 million and $2.0 million, respectively. At June 30, 2020 and 2019, the
pledged total included time deposits and/or overnight deposits of $1.5 million and $1.5 million, respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
  <us-gaap:TradingSecuritiesDebtAmortizedCost unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">500000</us-gaap:TradingSecuritiesDebtAmortizedCost>
  <kffb:FairValueCostMethodInvestments unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">503000</kffb:FairValueCostMethodInvestments>
  <kffb:FairValueMaturityPeriod contextRef="c0_From1Jul2019To30Jun2020">P1Y</kffb:FairValueMaturityPeriod>
  <us-gaap:MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">67000</us-gaap:MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure>
  <us-gaap:UnrealizedGainLossOnSecurities unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="0">3000</us-gaap:UnrealizedGainLossOnSecurities>
  <us-gaap:MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="0">545000</us-gaap:MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure>
  <us-gaap:UnrealizedGainLossOnSecurities unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="0">14000</us-gaap:UnrealizedGainLossOnSecurities>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-5">1900000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-5">2000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
  <us-gaap:SecuritiesHeldAsCollateralAtFairValue unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-5">1500000</us-gaap:SecuritiesHeldAsCollateralAtFairValue>
  <us-gaap:SecuritiesHeldAsCollateralAtFairValue unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-5">1500000</us-gaap:SecuritiesHeldAsCollateralAtFairValue>
  <kffb:InvestmentsSecuritiesTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Amortized
    cost&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Gross
    unrealized/ unrecognized gains&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Gross
    unrealized/ unrecognized losses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Estimated&lt;br/&gt;
fair value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Available-for-sale
    Securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    bonds&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;500&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;503&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    mortgage-backed:residential&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;538&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Held-to-maturity
    Securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    mortgage-backed: residential&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;598&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;611&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Amortized
    cost&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Gross
    unrealized/ unrecognized gains&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Gross
    unrealized/ unrecognized losses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Estimated
    fair value&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Available-for-sale
    Securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;U.S.
    Treasury securities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;496&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;497&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
    bonds&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;501&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;505&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Agency
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;/table&gt;</kffb:InvestmentsSecuritiesTableTextBlock>
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis unitRef="usd" contextRef="c39_AsOf30Jun2020_AgencyBondsMember" decimals="-3">500000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax unitRef="usd" contextRef="c39_AsOf30Jun2020_AgencyBondsMember" decimals="-3">3000</us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax unitRef="usd" contextRef="c39_AsOf30Jun2020_AgencyBondsMember" xs:nil="true"/>
  <us-gaap:AvailableForSaleSecurities unitRef="usd" contextRef="c39_AsOf30Jun2020_AgencyBondsMember" decimals="-3">503000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis unitRef="usd" contextRef="c85_AsOf30Jun2020_ResidentialMortgageBackedSecuritiesMember" decimals="-3">38000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax unitRef="usd" contextRef="c85_AsOf30Jun2020_ResidentialMortgageBackedSecuritiesMember" xs:nil="true"/>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax unitRef="usd" contextRef="c85_AsOf30Jun2020_ResidentialMortgageBackedSecuritiesMember" xs:nil="true"/>
  <us-gaap:AvailableForSaleSecurities unitRef="usd" contextRef="c85_AsOf30Jun2020_ResidentialMortgageBackedSecuritiesMember" decimals="-3">38000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">538000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">3000</us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax unitRef="usd" contextRef="c3_AsOf30Jun2020" xs:nil="true"/>
  <us-gaap:HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment unitRef="usd" contextRef="c85_AsOf30Jun2020_ResidentialMortgageBackedSecuritiesMember" decimals="-3">598000</us-gaap:HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment>
  <us-gaap:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain unitRef="usd" contextRef="c85_AsOf30Jun2020_ResidentialMortgageBackedSecuritiesMember" decimals="-3">16000</us-gaap:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain>
  <us-gaap:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss unitRef="usd" contextRef="c85_AsOf30Jun2020_ResidentialMortgageBackedSecuritiesMember" decimals="-3">3000</us-gaap:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss>
  <us-gaap:AvailableForSaleSecuritiesDebtSecurities unitRef="usd" contextRef="c85_AsOf30Jun2020_ResidentialMortgageBackedSecuritiesMember" decimals="-3">611000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis unitRef="usd" contextRef="c86_AsOf30Jun2019_USTreasurySecuritiesMember" decimals="-3">496000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax unitRef="usd" contextRef="c86_AsOf30Jun2019_USTreasurySecuritiesMember" decimals="-3">1000</us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax unitRef="usd" contextRef="c86_AsOf30Jun2019_USTreasurySecuritiesMember" xs:nil="true"/>
  <us-gaap:AvailableForSaleSecurities unitRef="usd" contextRef="c86_AsOf30Jun2019_USTreasurySecuritiesMember" decimals="-3">497000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis unitRef="usd" contextRef="c51_AsOf30Jun2019_AgencyBondsMember" decimals="-3">501000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax unitRef="usd" contextRef="c51_AsOf30Jun2019_AgencyBondsMember" decimals="-3">4000</us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax unitRef="usd" contextRef="c51_AsOf30Jun2019_AgencyBondsMember" xs:nil="true"/>
  <us-gaap:AvailableForSaleSecurities unitRef="usd" contextRef="c51_AsOf30Jun2019_AgencyBondsMember" decimals="-3">505000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis unitRef="usd" contextRef="c87_AsOf30Jun2019_ResidentialMortgageBackedSecuritiesMember" decimals="-3">43000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax unitRef="usd" contextRef="c87_AsOf30Jun2019_ResidentialMortgageBackedSecuritiesMember" xs:nil="true"/>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax unitRef="usd" contextRef="c87_AsOf30Jun2019_ResidentialMortgageBackedSecuritiesMember" xs:nil="true"/>
  <us-gaap:AvailableForSaleSecurities unitRef="usd" contextRef="c87_AsOf30Jun2019_ResidentialMortgageBackedSecuritiesMember" decimals="-3">43000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">1040000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">5000</us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
  <us-gaap:AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax unitRef="usd" contextRef="c4_AsOf30Jun2019" xs:nil="true"/>
  <us-gaap:HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment unitRef="usd" contextRef="c87_AsOf30Jun2019_ResidentialMortgageBackedSecuritiesMember" decimals="-3">775000</us-gaap:HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment>
  <us-gaap:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain unitRef="usd" contextRef="c87_AsOf30Jun2019_ResidentialMortgageBackedSecuritiesMember" decimals="-3">14000</us-gaap:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain>
  <us-gaap:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss unitRef="usd" contextRef="c87_AsOf30Jun2019_ResidentialMortgageBackedSecuritiesMember" decimals="-3">14000</us-gaap:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss>
  <us-gaap:AvailableForSaleSecuritiesDebtSecurities unitRef="usd" contextRef="c87_AsOf30Jun2019_ResidentialMortgageBackedSecuritiesMember" decimals="-3">775000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
  <us-gaap:FinancingReceivablesTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;NOTE
C - LOANS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
composition of the loan portfolio at June 30 was as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Residential
    real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;222,489&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;216,066&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;12,373&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;15,928&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3,757&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;765&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;852&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,354&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3,157&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Nonresidential
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;33,503&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;285,887&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;280,969&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio class
and based on impairment method as of June 30, 2020 and 2019. There were $751,000 and $949,000 in loans acquired with deteriorated
credit quality at June 30, 2020 and 2019, respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2020:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    individually evaluated&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    acquired with deteriorated credit quality*&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Ending
    loans balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Ending
    allowance attributed to loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unallocated
    allowance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total
    allowance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    individually evaluated for impairment:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Residential
    real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3,983&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;751&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;671&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;287,375&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,288&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,488&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;*
These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration
since acquisition.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2019:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    individually evaluated&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    acquired with deteriorated credit quality*&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Ending
    loans balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Ending
    allowance attributed to loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unallocated
    allowance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total
    allowance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    individually evaluated for impairment:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Residential
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    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;949&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4,786&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;336&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Commercial
    and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,075&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Consumer
    and other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,415&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Home
    equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;8,214&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;275,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,256&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,456&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;282,425&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,256&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,456&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;*
These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration
since acquisition.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;The
following tables present impaired loans by class of loans as of and for the years ended June 30, 2020 and 2019:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;June
30, 2020:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unpaid
    Principal Balance and Recorded Investment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Allowance
    for Loan Losses Allocated&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Average
    Recorded Investment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Interest
    Income Recognized&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center&quot;&gt;&lt;/p&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Cash
                                         Basis&lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Income&lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Recognized&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;With
    no related allowance recorded:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;679&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Nonresidential
    real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;660&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;701&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,437&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,415&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;262&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;262&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;June
30, 2019:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unpaid
    Principal Balance and Recorded Investment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Allowance
    for Loan Losses Allocated&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Average
    Recorded Investment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Interest
    Income Recognized&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center&quot;&gt;&lt;/p&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Cash
                                         Basis&lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Income&lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Recognized&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;With
    no related allowance recorded:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Residential
    real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4,786&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4,449&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;343&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;310&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Nonresidential
    real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;683&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;403&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,463&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;5,505&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;259&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;259&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual status by class
of loans as of June 30, 2020 and 2019. The tables include loans acquired with deteriorated credit quality. At June 30, 2020, the
table below includes approximately $508,000 of loans on nonaccrual and no loans past due over 90 days and still accruing of loans
acquired with deteriorated credit quality, while at June 30, 2019, approximately $369,000 of loans on nonaccrual and no loans
past due over 90 days and still accruing represent such loans.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;June
    30, 2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;June
    30, 2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonaccrual&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
    Past Due Over 90 Days Still Accruing&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonaccrual&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
    Past Due Over 90 Days Still Accruing&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4,458&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,135&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4,545&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,747&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;671&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;660&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;683&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;95&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,260&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,135&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,232&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,796&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
to four-family loans in process of foreclosure totaled $694,000 and $1.2 million at June 30, 2020 and 2019, respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;Troubled
Debt Restructurings:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;A
Troubled Debt Restructuring (&amp;#x201c;TDR&amp;#x201d;) is the situation where the Bank grants a concession to the borrower that the Banks
would not otherwise have considered due to the borrower&amp;#x2019;s financial difficulties. All TDRs are considered &amp;#x201c;impaired.&amp;#x201d;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
provisions of the CARES Act included an election to not apply the guidance on accounting for troubled debt restructurings to loan
modifications, such as extensions or deferrals, related to COVID-19 made between March 1, 2020 and the earlier of (i) December
31, 2020 or (ii) 60 days after the end of the COVID-19 national emergency. The relief can only be applied to modifications for
borrowers that were not more than 30 days past due as of December 31, 2019. The Company elected to adopt these provisions of the
CARES Act.&amp;#xa0;In response to the Covid-19 pandemic and the widespread economic downturn that immediately resulted, the Company
adopted a loan forbearance plan in which then-current affected borrowers could request deferral of their loan payments for a period
of three months. A total of $17.3 million in loans were accepted into the plan through June 30, 2020, of which approximately $14.1
million have reached their three-month deferral date. Of those loans which have reached the end of their deferral period approximately
$13.8 million or 97.7% have returned to regular payment status.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;At
June 30, 2020 and 2019, the Company had $1.9 million and $1.6 million of loans classified as TDRs, respectively. Of the TDRs at
June 30, 2020, approximately 26.2% were related to the borrower&amp;#x2019;s completion of Chapter 7 bankruptcy proceedings with no
reaffirmation of the debt to the Banks.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;During
the year ended June 30, 2020, the Company had six loans restructured as TDRs. One borrower refinanced a piece of one- to four-family,
non-owner occupied, residential property to bring to current amounts owed on other loans with the Bank. Because the borrower&amp;#x2019;s
financial condition had deteriorated, it was unlikely that the borrower could have secured financing elsewhere. The restructured
loan is collateralized and cross-collateralized by real estate. Three single family residential borrowers filed for Chapter 7
bankruptcy protection and did not reaffirm the debts personally, although the Company&amp;#x2019;s collateral position remains intact.
Finally, a first and second mortgage on an 8-plex were refinanced into a single loan with a slightly extended maturity term and
a lower interest rate, which was consistent with similarly-priced comparable loans at the time of refinance.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;During
the year ended June 30, 2019, the terms of two one- to four family residential real estate loans totaling $323,000 were modified
as troubled debt restructurings (&amp;#x201c;TDRs.&amp;#x201d;) One loan totaling $248,000 was refinanced with $30,000 cash out because
of cost overruns associated with construction of two four-plexes. This loan was part of an overall credit facility maintained
for the construction project. The credit facility is secured by the project real estate as well as additional real estate. The
loan was classified as a TDR because of payment delays experienced by the borrower. Subsequent to June 30, 2019, an updated appraisal
showing adequate loan-to-value in support of the project was obtained. One loan totaling $75,000 was modified with $15,000 cash
out and an extension of the loan term to enable the borrower to consolidate debts and establish acceptable debt service obligations
after a period of unemployment. Although the interest rate on this loan was the same rate offered to other customers at the time,
the credit was determined to be a TDR because the borrower&amp;#x2019;s credit worthiness had deteriorated. Because the restructured
loan bears interest at the same rate offered to other such borrowers and the repayment period was extended slightly, the borrower
is expected to be able to service the debt as restructured.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;In
order to determine whether a borrower is experiencing financial difficulty, we consider the probability that the borrower will
be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under
the Company&amp;#x2019;s internal underwriting policy.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
Company had no allocated specific reserves to customers whose loan terms have been modified in troubled debt restructurings as
of June 30, 2020 or 2019. At June 30, 2020 and 2019, TDR loans on nonaccrual status totaled $1.8 million and $1.3 million, respectively.
The Company had no commitments to lend additional amounts as of June 30, 2020 and 2019, to customers with outstanding loans that
are classified as troubled debt restructurings. The Company had no TDR loans which defaulted during fiscal 2020 or during fiscal
2019.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
following tables present the aging of the principal balance outstanding in accruing past due loans as of June 30, 2020 and 2019,
by class of loans. The tables include loans acquired with deteriorated credit quality. At June 30, 2020, the table below includes
$101,000 in loans 30-89 days past due and approximately $28,000 of loans past due over 90 days that were acquired with deteriorated
credit quality, while at June 30, 2019, the table below includes no loans 30-89 days past due and approximately $13,000 of loans
past due over 90 days of such loans.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;June
30, 2020:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30-89
    Days Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Greater
    than 90 Days Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
    Not Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-to
    four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,546&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,670&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5,216&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;217,273&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;222,489&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12,373&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12,373&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;192&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;255&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,790&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;765&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;765&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;416&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,938&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,354&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;57&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;253&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;310&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;33,193&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;33,503&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,214&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,214&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;345&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;7,645&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Automobile&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unsecured&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;675&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;675&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,157&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,385&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,542&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;280,833&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;287,375&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;June
30, 2019:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30-89
    Days Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Greater
    than 90 Days Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
    Not Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-to
    four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4,021&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,479&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;7,500&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;208,566&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;216,066&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15,680&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15,928&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;753&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;753&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,004&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,757&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;852&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;852&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,155&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,157&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;362&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;411&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30,008&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30,419&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,075&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,075&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,415&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,214&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Automobile&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unsecured&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;451&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;451&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5,184&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,776&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,960&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;273,465&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;282,425&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;Credit
Quality Indicators:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt
such as: current financial information, historical payment experience, credit documentation, public information, and current economic
trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis
is performed on an annual basis. The Company uses the following definitions for risk ratings:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;Special
Mention.&lt;/b&gt; Loans classified as special mention have a potential weakness that deserves management&amp;#x2019;s close attention. If
left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution&amp;#x2019;s
credit position at some future date.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;Substandard.
&lt;/b&gt;Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or
of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation
of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies
are not corrected.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;Doubtful.
&lt;/b&gt;Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic
that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly
questionable and improbable.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass
rated loans. Loans listed that are not rated are included in groups of homogeneous loans and are evaluated for credit quality
based on performing status. See the aging of past due loan table above. As of June 30, 2020, and 2019, and based on the most recent
analysis performed, the risk category of loans by class of loans was as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;June 30, 2020:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Pass&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Special
    Mention&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Substandard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;215,010&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;742&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,737&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Automobile&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unsecured&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;276,708&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,720&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,947&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;June 30, 2019:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Pass&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Special
    Mention&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Substandard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;206,489&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;894&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,683&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15,243&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;852&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,848&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;28,990&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;746&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;683&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,584&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;491&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,415&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,053&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;137&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Automobile&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unsecured&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;446&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;269,768&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,777&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;10,880&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0 0pt 0.2in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
following tables present the activity in the allowance for loan losses by portfolio segment for the years ended June 30, 2020
and 2019:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;June
30, 2020:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Beginning
    balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Provision
    for loan losses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
    charged off&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Recoveries&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ending
    balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(65&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;671&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(16&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;184&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;336&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;405&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unsecured&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unallocated&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Totals&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,456&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(73&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,488&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;June
30, 2019:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Beginning
    balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Provision
    for loan losses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
    charged off&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Recoveries&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ending
    balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;795&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(190&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;225&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(25&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;321&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;336&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unsecured&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(21&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unallocated&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Totals&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,576&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(190&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,456&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;Purchased
Loans:&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
Company purchased loans during the fiscal year ended June 30, 2013 for which there was, at acquisition, evidence of deterioration
of credit quality since origination and it was probable, at acquisition, that all contractually required payments would not be
collected. The carrying amount of those loans, net of a purchase credit discount of $351,000 and $351,000, at June 30, 2020 and
2019, respectively, was as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential
    real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;width: 76%; font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 9%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;751&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 9%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;949&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Accretable
yield, or income expected to be collected on loans purchased during fiscal year 2013, for the years ended June 30 was as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Balance at beginning
    of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;634&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Accretion
    of income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(97&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(90&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Balance at end
    of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;447&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;For
those purchased loans disclosed above, the Company made no increase in allowance for loan losses for the years ended June 30,
2020 or 2019, nor were any allowance for loan losses reversed during those years. .&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;</us-gaap:FinancingReceivablesTextBlock>
  <us-gaap:NotesReceivableNet unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">751000</us-gaap:NotesReceivableNet>
  <us-gaap:NotesReceivableNet unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="0">949000</us-gaap:NotesReceivableNet>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c88_AsOf30Jun2020_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" decimals="0">508000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c89_AsOf30Jun2019_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" decimals="0">369000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <kffb:LoansReceivableDescription contextRef="c0_From1Jul2019To30Jun2020">One- to four-family loans in process of foreclosure totaled $694,000 and $1.2 million at June 30, 2020 and 2019, respectively.</kffb:LoansReceivableDescription>
  <kffb:TroubledDebtDescription contextRef="c0_From1Jul2019To30Jun2020">A total of $17.3 million in loans were accepted into the plan through June 30, 2020, of which approximately $14.1 million have reached their three-month deferral date. Of those loans which have reached the end of their deferral period approximately $13.8 million or 97.7% have returned to regular payment status.</kffb:TroubledDebtDescription>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-5">1900000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-5">1600000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <kffb:PercentageOfBankruptcyProceedingsToBorrower unitRef="pure" contextRef="c0_From1Jul2019To30Jun2020" decimals="3">0.262</kffb:PercentageOfBankruptcyProceedingsToBorrower>
  <us-gaap:MortgageLoansOnRealEstate unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="0">323000</us-gaap:MortgageLoansOnRealEstate>
  <kffb:LoansReceivableDescription contextRef="c90_From1Jul2018To30Jun2019_TroubledDebtRestructuringMember">One loan totaling $248,000 was refinanced with $30,000 cash out because of cost overruns associated with construction of two four-plexes. This loan was part of an overall credit facility maintained for the construction project. The credit facility is secured by the project real estate as well as additional real estate. The loan was classified as a TDR because of payment delays experienced by the borrower. Subsequent to June 30, 2019, an updated appraisal showing adequate loan-to-value in support of the project was obtained. One loan totaling $75,000 was modified with $15,000 cash out and an extension of the loan term to enable the borrower to consolidate debts and establish acceptable debt service obligations after a period of unemployment.</kffb:LoansReceivableDescription>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c91_AsOf30Jun2020_TroubledDebtRestructuringMember" decimals="-5">1800000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c92_AsOf30Jun2019_TroubledDebtRestructuringMember" decimals="-5">1300000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue unitRef="usd" contextRef="c93_AsOf30Jun2020_FinancingReceivables30To89DaysPastDueMember_TroubledDebtRestructuringMember" decimals="0">101000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue unitRef="usd" contextRef="c94_AsOf30Jun2020_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_TroubledDebtRestructuringMember" decimals="0">28000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue unitRef="usd" contextRef="c95_AsOf30Jun2019_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_TroubledDebtRestructuringMember" decimals="0">13000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <us-gaap:FinancingReceivableUnamortizedPurchasePremiumDiscount unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">351000</us-gaap:FinancingReceivableUnamortizedPurchasePremiumDiscount>
  <us-gaap:FinancingReceivableUnamortizedPurchasePremiumDiscount unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="0">351000</us-gaap:FinancingReceivableUnamortizedPurchasePremiumDiscount>
  <kffb:ScheduleOfClassificationOfLoansReceivableTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Residential
    real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;222,489&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;216,066&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;12,373&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;15,928&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3,757&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;287,375&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;282,425&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Allowance
    for loan losses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(1,488&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(1,456&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;285,887&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;280,969&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</kffb:ScheduleOfClassificationOfLoansReceivableTableTextBlock>
  <kffb:LoansAndLeasesReceivableOneToFourFamily unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">222489000</kffb:LoansAndLeasesReceivableOneToFourFamily>
  <kffb:LoansAndLeasesReceivableOneToFourFamily unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">216066000</kffb:LoansAndLeasesReceivableOneToFourFamily>
  <kffb:LoansAndLeasesReceivableMultifamily unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">12373000</kffb:LoansAndLeasesReceivableMultifamily>
  <kffb:LoansAndLeasesReceivableMultifamily unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">15928000</kffb:LoansAndLeasesReceivableMultifamily>
  <kffb:LoansAndLeasesReceivableConsumersConstruction unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">4045000</kffb:LoansAndLeasesReceivableConsumersConstruction>
  <kffb:LoansAndLeasesReceivableConsumersConstruction unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">3757000</kffb:LoansAndLeasesReceivableConsumersConstruction>
  <kffb:LoansReceivableCommercialLand unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">765000</kffb:LoansReceivableCommercialLand>
  <kffb:LoansReceivableCommercialLand unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">852000</kffb:LoansReceivableCommercialLand>
  <kffb:LoansReceivableCommercialAgriculturals unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">2354000</kffb:LoansReceivableCommercialAgriculturals>
  <kffb:LoansReceivableCommercialAgriculturals unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">3157000</kffb:LoansReceivableCommercialAgriculturals>
  <kffb:LoansReceivableCommercialRealEstates unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">33503000</kffb:LoansReceivableCommercialRealEstates>
  <kffb:LoansReceivableCommercialRealEstates unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">30419000</kffb:LoansReceivableCommercialRealEstates>
  <kffb:LoansReceivableCommercialNonMortgage unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">2214000</kffb:LoansReceivableCommercialNonMortgage>
  <kffb:LoansReceivableCommercialNonMortgage unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">2075000</kffb:LoansReceivableCommercialNonMortgage>
  <kffb:LoansAndLeasesReceivableLoansOnDeposits unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">1245000</kffb:LoansAndLeasesReceivableLoansOnDeposits>
  <kffb:LoansAndLeasesReceivableLoansOnDeposits unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">1415000</kffb:LoansAndLeasesReceivableLoansOnDeposits>
  <kffb:LoansAndLeasesReceivablesConsumerHomeEquity unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">7645000</kffb:LoansAndLeasesReceivablesConsumerHomeEquity>
  <kffb:LoansAndLeasesReceivablesConsumerHomeEquity unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">8214000</kffb:LoansAndLeasesReceivablesConsumerHomeEquity>
  <kffb:LoansAndLeasesReceivableAutomobile unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">67000</kffb:LoansAndLeasesReceivableAutomobile>
  <kffb:LoansAndLeasesReceivableAutomobile unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">91000</kffb:LoansAndLeasesReceivableAutomobile>
  <kffb:LoansAndLeasesReceivableUnsecured unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">675000</kffb:LoansAndLeasesReceivableUnsecured>
  <kffb:LoansAndLeasesReceivableUnsecured unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">451000</kffb:LoansAndLeasesReceivableUnsecured>
  <us-gaap:LoansAndLeasesReceivableGrossCarryingAmount unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">287375000</us-gaap:LoansAndLeasesReceivableGrossCarryingAmount>
  <us-gaap:LoansAndLeasesReceivableGrossCarryingAmount unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">282425000</us-gaap:LoansAndLeasesReceivableGrossCarryingAmount>
  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">1488000</kffb:LoansAndLeasesReceivableAllowances>
  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">1456000</kffb:LoansAndLeasesReceivableAllowances>
  <kffb:ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2020:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    individually evaluated&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    acquired with deteriorated credit quality*&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Ending
    loans balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Ending
    allowance attributed to loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unallocated
    allowance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total
    allowance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    individually evaluated for impairment:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Residential
    real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 28%; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3,983&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;751&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4,734&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;671&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Residential
    real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Nonresidential
    real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;32,843&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;405&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;405&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Commercial
    and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;2,214&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Consumer
    and other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;280,938&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,288&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,488&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,488&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;June
    30, 2019:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    individually evaluated&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    acquired with deteriorated credit quality*&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Ending
    loans balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Ending
    allowance attributed to loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unallocated
    allowance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total
    allowance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Loans
    individually evaluated for impairment:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Residential
    real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 28%; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3,837&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;949&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;210,595&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;3,757&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;852&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Nonresidential
    real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;336&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Commercial
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    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Consumer
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;1,456&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;*
These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration
since acquisition.&lt;/font&gt;&lt;/p&gt;</kffb:ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock>
  <kffb:LoansIndividuallyEvaluated unitRef="usd" contextRef="c96_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">3983000</kffb:LoansIndividuallyEvaluated>
  <kffb:LoansAcquiredWithDeterioratedCreditQuality id="_LoansAcquiredWithDeterioratedCreditQuality-c96_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_OnetoFourfamilyResidentialRealEstateMember_usd" unitRef="usd" contextRef="c96_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">751000</kffb:LoansAcquiredWithDeterioratedCreditQuality>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c96_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">4734000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c96_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_OnetoFourfamilyResidentialRealEstateMember" xs:nil="true"/>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c96_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_OnetoFourfamilyResidentialRealEstateMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c96_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_OnetoFourfamilyResidentialRealEstateMember" xs:nil="true"/>
  <kffb:LoansIndividuallyEvaluated unitRef="usd" contextRef="c97_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember" decimals="-3">671000</kffb:LoansIndividuallyEvaluated>
  <kffb:LoansAcquiredWithDeterioratedCreditQuality id="_LoansAcquiredWithDeterioratedCreditQuality-c97_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember_usd" unitRef="usd" contextRef="c97_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember" xs:nil="true"/>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c97_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember" decimals="-3">671000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c97_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember" xs:nil="true"/>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c97_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c97_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember" xs:nil="true"/>
  <kffb:LoansIndividuallyEvaluated unitRef="usd" contextRef="c98_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ConstructionMember" decimals="-3">63000</kffb:LoansIndividuallyEvaluated>
  <kffb:LoansAcquiredWithDeterioratedCreditQuality id="_LoansAcquiredWithDeterioratedCreditQuality-c98_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ConstructionMember_usd" unitRef="usd" contextRef="c98_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ConstructionMember" xs:nil="true"/>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c98_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ConstructionMember" decimals="-3">63000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c98_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ConstructionMember" xs:nil="true"/>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c98_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ConstructionMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c98_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_ConstructionMember" xs:nil="true"/>
  <kffb:LoansIndividuallyEvaluated unitRef="usd" contextRef="c99_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_FarmMember" decimals="-3">309000</kffb:LoansIndividuallyEvaluated>
  <kffb:LoansAcquiredWithDeterioratedCreditQuality id="_LoansAcquiredWithDeterioratedCreditQuality-c99_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_FarmMember_usd" unitRef="usd" contextRef="c99_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_FarmMember" xs:nil="true"/>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c99_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_FarmMember" decimals="-3">309000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c99_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_FarmMember" xs:nil="true"/>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c99_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_FarmMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c99_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_FarmMember" xs:nil="true"/>
  <kffb:LoansIndividuallyEvaluated unitRef="usd" contextRef="c100_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_NonresidentialRealEstateMember" decimals="-3">660000</kffb:LoansIndividuallyEvaluated>
  <kffb:LoansAcquiredWithDeterioratedCreditQuality id="_LoansAcquiredWithDeterioratedCreditQuality-c100_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_NonresidentialRealEstateMember_usd" unitRef="usd" contextRef="c100_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_NonresidentialRealEstateMember" xs:nil="true"/>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c100_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_NonresidentialRealEstateMember" decimals="-3">660000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c100_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_NonresidentialRealEstateMember" xs:nil="true"/>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c100_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_NonresidentialRealEstateMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c100_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_NonresidentialRealEstateMember" xs:nil="true"/>
  <kffb:LoansIndividuallyEvaluated unitRef="usd" contextRef="c101_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember" decimals="-3">5686000</kffb:LoansIndividuallyEvaluated>
  <kffb:LoansAcquiredWithDeterioratedCreditQuality id="_LoansAcquiredWithDeterioratedCreditQuality-c101_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember_usd" unitRef="usd" contextRef="c101_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember" decimals="-3">751000</kffb:LoansAcquiredWithDeterioratedCreditQuality>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c101_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember" decimals="-3">6437000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c101_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember" xs:nil="true"/>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c101_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c101_AsOf30Jun2020_LoansIndividuallyEvaluatedForImpairmentMember" xs:nil="true"/>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c102_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateOneToFourFamilyMember" decimals="-3">217755000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c102_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateOneToFourFamilyMember" decimals="-3">671000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c102_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateOneToFourFamilyMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c102_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateOneToFourFamilyMember" decimals="-3">671000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c103_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember" decimals="-3">11702000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c103_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember" decimals="-3">184000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c103_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c103_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember" decimals="-3">184000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c104_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateConstructionMember" decimals="-3">3982000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c104_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateConstructionMember" decimals="-3">6000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c104_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateConstructionMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c104_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_ResidentialRealEstateConstructionMember" decimals="-3">6000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c105_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_LandMember" decimals="-3">765000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c105_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_LandMember" decimals="-3">1000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c105_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_LandMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c105_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_LandMember" decimals="-3">1000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c106_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_FarmMember" decimals="-3">2045000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c106_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_FarmMember" decimals="-3">4000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c106_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_FarmMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c106_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_FarmMember" decimals="-3">4000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c107_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_NonresidentialRealEstateMember" decimals="-3">32843000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c107_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_NonresidentialRealEstateMember" decimals="-3">405000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c107_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_NonresidentialRealEstateMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c107_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_NonresidentialRealEstateMember" decimals="-3">405000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c108_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_CommercialsNonMortgageMember" decimals="-3">2214000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c108_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_CommercialsNonMortgageMember" decimals="-3">3000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c108_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_CommercialsNonMortgageMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c108_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_CommercialsNonMortgageMember" decimals="-3">3000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c109_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_LoansOnDepositsMember" decimals="-3">1245000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c109_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_LoansOnDepositsMember" decimals="-3">2000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c109_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_LoansOnDepositsMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c109_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_LoansOnDepositsMember" decimals="-3">2000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c110_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_HomeEquityLoanMember" decimals="-3">7645000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c110_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_HomeEquityLoanMember" decimals="-3">11000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c110_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_HomeEquityLoanMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c110_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_HomeEquityLoanMember" decimals="-3">11000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c111_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_AutomobilesMember" decimals="-3">67000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c111_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_AutomobilesMember" xs:nil="true"/>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c111_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_AutomobilesMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c111_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_AutomobilesMember" xs:nil="true"/>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c112_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_UnsecuredLoansMember" decimals="-3">675000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c112_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_UnsecuredLoansMember" decimals="-3">1000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c112_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_UnsecuredLoansMember" xs:nil="true"/>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c112_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_UnsecuredLoansMember" decimals="-3">1000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c113_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_UnallocatedLoansMember" xs:nil="true"/>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c113_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_UnallocatedLoansMember" xs:nil="true"/>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c113_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_UnallocatedLoansMember" decimals="-3">200000</kffb:UnallocatedAllowance>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c113_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember_UnallocatedLoansMember" decimals="-3">200000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c114_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember" decimals="-3">280938000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c114_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember" decimals="-3">1288000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c114_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember" decimals="-3">200000</kffb:UnallocatedAllowance>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c114_AsOf30Jun2020_LoansCollectivelyEvaluatedForImpairmentMember" decimals="-3">1488000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:EndingLoansBalance unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">287375000</kffb:EndingLoansBalance>
  <kffb:EndingAllowanceAttributedToLoans unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">1288000</kffb:EndingAllowanceAttributedToLoans>
  <kffb:UnallocatedAllowance unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">200000</kffb:UnallocatedAllowance>
  <kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">1488000</kffb:FinancingReceivableTotalAllowanceEvaluatedForImpairment>
  <kffb:LoansIndividuallyEvaluated unitRef="usd" contextRef="c115_AsOf30Jun2019_LoansIndividuallyEvaluatedForImpairmentMember_ResidentialRealEstateOneToFourFamilyMember" decimals="-3">3837000</kffb:LoansIndividuallyEvaluated>
  <kffb:LoansAcquiredWithDeterioratedCreditQuality id="_LoansAcquiredWithDeterioratedCreditQuality-c115_AsOf30Jun2019_LoansIndividuallyEvaluatedForImpairmentMember_ResidentialRealEstateOneToFourFamilyMember_usd" unitRef="usd" contextRef="c115_AsOf30Jun2019_LoansIndividuallyEvaluatedForImpairmentMember_ResidentialRealEstateOneToFourFamilyMember" decimals="-3">949000</kffb:LoansAcquiredWithDeterioratedCreditQuality>
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  <kffb:LoansIndividuallyEvaluated unitRef="usd" contextRef="c116_AsOf30Jun2019_LoansIndividuallyEvaluatedForImpairmentMember_ResidentialRealEstateMultiFamilyMember" decimals="-3">685000</kffb:LoansIndividuallyEvaluated>
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  <kffb:LoansIndividuallyEvaluated unitRef="usd" contextRef="c117_AsOf30Jun2019_LoansIndividuallyEvaluatedForImpairmentMember_FarmMember" decimals="-3">309000</kffb:LoansIndividuallyEvaluated>
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  <kffb:EndingLoansBalance unitRef="usd" contextRef="c124_AsOf30Jun2019_LoansCollectivelyEvaluatedForImpairmentMember_FarmMember" decimals="-3">2848000</kffb:EndingLoansBalance>
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&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
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    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;With
    no related allowance recorded:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Residential
    real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4,734&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4,713&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;671&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;679&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Nonresidential
    real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;660&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;701&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,437&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,415&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;262&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;262&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Unpaid
    Principal Balance and Recorded Investment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Allowance
    for Loan Losses Allocated&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Average
    Recorded Investment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Interest
    Income Recognized&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center&quot;&gt;&lt;/p&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Cash
                                         Basis&lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Income&lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&lt;b&gt;Recognized&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;With
    no related allowance recorded:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Residential
    real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4,786&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;&amp;#xa0;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;4,449&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;226&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;343&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;310&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Nonresidential
    real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;683&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;403&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;6,463&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;5,505&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;259&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;259&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</us-gaap:ImpairedFinancingReceivablesTableTextBlock>
  <kffb:UnpaidPrincipalBalanceAndRecordedInvestment unitRef="usd" contextRef="c133_From1Jul2019To30Jun2020_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">4734000</kffb:UnpaidPrincipalBalanceAndRecordedInvestment>
  <kffb:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1 unitRef="usd" contextRef="c133_From1Jul2019To30Jun2020_OnetoFourfamilyResidentialRealEstateMember" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment unitRef="usd" contextRef="c133_From1Jul2019To30Jun2020_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">4713000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod unitRef="usd" contextRef="c133_From1Jul2019To30Jun2020_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">172000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod unitRef="usd" contextRef="c133_From1Jul2019To30Jun2020_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">172000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
  <kffb:UnpaidPrincipalBalanceAndRecordedInvestment unitRef="usd" contextRef="c134_From1Jul2019To30Jun2020_ResidentialRealEstateMultiFamilyMember" decimals="-3">671000</kffb:UnpaidPrincipalBalanceAndRecordedInvestment>
  <kffb:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1 unitRef="usd" contextRef="c134_From1Jul2019To30Jun2020_ResidentialRealEstateMultiFamilyMember" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment unitRef="usd" contextRef="c134_From1Jul2019To30Jun2020_ResidentialRealEstateMultiFamilyMember" decimals="-3">679000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod unitRef="usd" contextRef="c134_From1Jul2019To30Jun2020_ResidentialRealEstateMultiFamilyMember" decimals="-3">32000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod unitRef="usd" contextRef="c134_From1Jul2019To30Jun2020_ResidentialRealEstateMultiFamilyMember" decimals="-3">32000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
  <kffb:UnpaidPrincipalBalanceAndRecordedInvestment unitRef="usd" contextRef="c135_From1Jul2019To30Jun2020_ConstructionMember" decimals="-3">63000</kffb:UnpaidPrincipalBalanceAndRecordedInvestment>
  <kffb:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1 unitRef="usd" contextRef="c135_From1Jul2019To30Jun2020_ConstructionMember" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment unitRef="usd" contextRef="c135_From1Jul2019To30Jun2020_ConstructionMember" decimals="-3">13000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod unitRef="usd" contextRef="c135_From1Jul2019To30Jun2020_ConstructionMember" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod unitRef="usd" contextRef="c135_From1Jul2019To30Jun2020_ConstructionMember" xs:nil="true"/>
  <kffb:UnpaidPrincipalBalanceAndRecordedInvestment unitRef="usd" contextRef="c136_From1Jul2019To30Jun2020_FarmMember" decimals="-3">309000</kffb:UnpaidPrincipalBalanceAndRecordedInvestment>
  <kffb:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1 unitRef="usd" contextRef="c136_From1Jul2019To30Jun2020_FarmMember" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment unitRef="usd" contextRef="c136_From1Jul2019To30Jun2020_FarmMember" decimals="-3">309000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod unitRef="usd" contextRef="c136_From1Jul2019To30Jun2020_FarmMember" decimals="-3">11000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod unitRef="usd" contextRef="c136_From1Jul2019To30Jun2020_FarmMember" decimals="-3">11000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
  <kffb:UnpaidPrincipalBalanceAndRecordedInvestment unitRef="usd" contextRef="c137_From1Jul2019To30Jun2020_NonresidentialRealEstateMember" decimals="-3">660000</kffb:UnpaidPrincipalBalanceAndRecordedInvestment>
  <kffb:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1 unitRef="usd" contextRef="c137_From1Jul2019To30Jun2020_NonresidentialRealEstateMember" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment unitRef="usd" contextRef="c137_From1Jul2019To30Jun2020_NonresidentialRealEstateMember" decimals="-3">701000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod unitRef="usd" contextRef="c137_From1Jul2019To30Jun2020_NonresidentialRealEstateMember" decimals="-3">47000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod unitRef="usd" contextRef="c137_From1Jul2019To30Jun2020_NonresidentialRealEstateMember" decimals="-3">47000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
  <kffb:UnpaidPrincipalBalanceAndRecordedInvestment unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">6437000</kffb:UnpaidPrincipalBalanceAndRecordedInvestment>
  <kffb:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1 unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">6415000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">262000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">262000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
  <kffb:UnpaidPrincipalBalanceAndRecordedInvestment unitRef="usd" contextRef="c138_From1Jul2018To30Jun2019_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">4786000</kffb:UnpaidPrincipalBalanceAndRecordedInvestment>
  <kffb:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1 unitRef="usd" contextRef="c138_From1Jul2018To30Jun2019_OnetoFourfamilyResidentialRealEstateMember" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment unitRef="usd" contextRef="c138_From1Jul2018To30Jun2019_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">4449000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod unitRef="usd" contextRef="c138_From1Jul2018To30Jun2019_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">226000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod unitRef="usd" contextRef="c138_From1Jul2018To30Jun2019_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">226000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
  <kffb:UnpaidPrincipalBalanceAndRecordedInvestment unitRef="usd" contextRef="c139_From1Jul2018To30Jun2019_ResidentialRealEstateMultiFamilyMember" decimals="-3">685000</kffb:UnpaidPrincipalBalanceAndRecordedInvestment>
  <kffb:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1 unitRef="usd" contextRef="c139_From1Jul2018To30Jun2019_ResidentialRealEstateMultiFamilyMember" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment unitRef="usd" contextRef="c139_From1Jul2018To30Jun2019_ResidentialRealEstateMultiFamilyMember" decimals="-3">343000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod unitRef="usd" contextRef="c139_From1Jul2018To30Jun2019_ResidentialRealEstateMultiFamilyMember" decimals="-3">26000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod unitRef="usd" contextRef="c139_From1Jul2018To30Jun2019_ResidentialRealEstateMultiFamilyMember" decimals="-3">26000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
  <kffb:UnpaidPrincipalBalanceAndRecordedInvestment unitRef="usd" contextRef="c140_From1Jul2018To30Jun2019_FarmMember" decimals="-3">309000</kffb:UnpaidPrincipalBalanceAndRecordedInvestment>
  <kffb:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1 unitRef="usd" contextRef="c140_From1Jul2018To30Jun2019_FarmMember" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment unitRef="usd" contextRef="c140_From1Jul2018To30Jun2019_FarmMember" decimals="-3">310000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod unitRef="usd" contextRef="c140_From1Jul2018To30Jun2019_FarmMember" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod unitRef="usd" contextRef="c140_From1Jul2018To30Jun2019_FarmMember" xs:nil="true"/>
  <kffb:UnpaidPrincipalBalanceAndRecordedInvestment unitRef="usd" contextRef="c141_From1Jul2018To30Jun2019_NonresidentialRealEstateMember" decimals="-3">683000</kffb:UnpaidPrincipalBalanceAndRecordedInvestment>
  <kffb:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1 unitRef="usd" contextRef="c141_From1Jul2018To30Jun2019_NonresidentialRealEstateMember" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment unitRef="usd" contextRef="c141_From1Jul2018To30Jun2019_NonresidentialRealEstateMember" decimals="-3">403000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod unitRef="usd" contextRef="c141_From1Jul2018To30Jun2019_NonresidentialRealEstateMember" decimals="-3">7000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod unitRef="usd" contextRef="c141_From1Jul2018To30Jun2019_NonresidentialRealEstateMember" decimals="-3">7000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
  <kffb:UnpaidPrincipalBalanceAndRecordedInvestment unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">6463000</kffb:UnpaidPrincipalBalanceAndRecordedInvestment>
  <kffb:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1 unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" xs:nil="true"/>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">5505000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">259000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">259000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
  <us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;June
    30, 2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;June
    30, 2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonaccrual&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
    Past Due Over 90 Days Still Accruing&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonaccrual&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
    Past Due Over 90 Days Still Accruing&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4,458&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,135&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4,545&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,747&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,260&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,135&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,232&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,796&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c142_AsOf30Jun2020_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">4458000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c142_AsOf30Jun2020_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">1135000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c143_AsOf30Jun2019_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">4545000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c143_AsOf30Jun2019_OnetoFourfamilyResidentialRealEstateMember" decimals="-3">1747000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c144_AsOf30Jun2020_MultifamilyMember" decimals="-3">671000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c144_AsOf30Jun2020_MultifamilyMember" xs:nil="true"/>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c145_AsOf30Jun2019_MultifamilyMember" decimals="-3">685000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c145_AsOf30Jun2019_MultifamilyMember" xs:nil="true"/>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c146_AsOf30Jun2020_ConstructionLoansMember" decimals="-3">63000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c146_AsOf30Jun2020_ConstructionLoansMember" xs:nil="true"/>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c147_AsOf30Jun2019_ConstructionLoansMember" xs:nil="true"/>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c147_AsOf30Jun2019_ConstructionLoansMember" xs:nil="true"/>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c148_AsOf30Jun2020_FarmMember" decimals="-3">309000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c148_AsOf30Jun2020_FarmMember" xs:nil="true"/>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c149_AsOf30Jun2019_FarmMember" decimals="-3">309000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c149_AsOf30Jun2019_FarmMember" xs:nil="true"/>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c150_AsOf30Jun2020_NonresidentialRealEstateAndLandMember" decimals="-3">660000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c151_AsOf30Jun2019_NonresidentialRealEstateAndLandMember" decimals="-3">683000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c151_AsOf30Jun2019_NonresidentialRealEstateAndLandMember" decimals="-3">49000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c152_AsOf30Jun2020_CommercialAndIndustrialPortfolioMember" decimals="-3">4000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c152_AsOf30Jun2020_CommercialAndIndustrialPortfolioMember" xs:nil="true"/>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c153_AsOf30Jun2019_CommercialAndIndustrialPortfolioMember" decimals="-3">1000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c153_AsOf30Jun2019_CommercialAndIndustrialPortfolioMember" xs:nil="true"/>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c154_AsOf30Jun2020_ConsumerAndOtherLoanMember" decimals="-3">95000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c154_AsOf30Jun2020_ConsumerAndOtherLoanMember" xs:nil="true"/>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c155_AsOf30Jun2019_ConsumerAndOtherLoanMember" decimals="-3">9000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c155_AsOf30Jun2019_ConsumerAndOtherLoanMember" xs:nil="true"/>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">6260000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">1135000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">6232000</us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">1796000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:PastDueFinancingReceivablesTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30-89
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    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Greater
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    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
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    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
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    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-to
    four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,546&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;765&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;765&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;107&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;416&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,354&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;57&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;253&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;310&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;33,193&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;33,503&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,214&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,214&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,245&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,245&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;255&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;90&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;345&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;7,300&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;7,645&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Automobile&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unsecured&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;675&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;675&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,157&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,385&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,542&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;280,833&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;287,375&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30-89
    Days Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Greater
    than 90 Days Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
    Not Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4,021&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,479&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;7,500&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;208,566&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;216,066&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15,680&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15,928&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;753&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;753&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,004&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,757&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;852&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;852&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,155&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,157&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;362&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;411&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30,008&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30,419&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,075&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,075&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,415&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,415&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Pass&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Special
    Mention&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Substandard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;215,010&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;742&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,737&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;11,702&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;671&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,982&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;765&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,045&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;31,529&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;939&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,035&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,188&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,245&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;7,505&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;101&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Automobile&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unsecured&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;670&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;276,708&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,720&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,947&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;June 30, 2019:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Pass&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Special
    Mention&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Substandard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Doubtful&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;206,489&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;894&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,683&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,757&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;852&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,848&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;746&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;683&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,584&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;491&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,415&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,053&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;137&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Automobile&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unsecured&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c307_AsOf30Jun2019_AutomobilesMember_PassMember" decimals="-3">91000</kffb:LoansAndLeaseReceivableGrossCarryingAmount>
  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c308_AsOf30Jun2019_AutomobilesMember_SpecialMentionMember" xs:nil="true"/>
  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c309_AsOf30Jun2019_AutomobilesMember_SubstandardMember" xs:nil="true"/>
  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c310_AsOf30Jun2019_AutomobilesMember_DoubtfulMember" xs:nil="true"/>
  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c311_AsOf30Jun2019_UnsecuredLoansMember_PassMember" decimals="-3">446000</kffb:LoansAndLeaseReceivableGrossCarryingAmount>
  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c312_AsOf30Jun2019_UnsecuredLoansMember_SpecialMentionMember" xs:nil="true"/>
  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c313_AsOf30Jun2019_UnsecuredLoansMember_SubstandardMember" decimals="-3">5000</kffb:LoansAndLeaseReceivableGrossCarryingAmount>
  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c314_AsOf30Jun2019_UnsecuredLoansMember_DoubtfulMember" xs:nil="true"/>
  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c315_AsOf30Jun2019_PassMember" decimals="-3">269768000</kffb:LoansAndLeaseReceivableGrossCarryingAmount>
  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c316_AsOf30Jun2019_SpecialMentionMember" decimals="-3">1777000</kffb:LoansAndLeaseReceivableGrossCarryingAmount>
  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c317_AsOf30Jun2019_SubstandardMember" decimals="-3">10880000</kffb:LoansAndLeaseReceivableGrossCarryingAmount>
  <kffb:LoansAndLeaseReceivableGrossCarryingAmount unitRef="usd" contextRef="c318_AsOf30Jun2019_DoubtfulMember" xs:nil="true"/>
  <us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Beginning
    balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    charged off&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Recoveries&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ending
    balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(65&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;671&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Multi-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(16&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;184&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Construction&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;336&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;405&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Auto&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(8&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unsecured&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unallocated&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Totals&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,456&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;103&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(73&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,488&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Beginning
    balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Provision
    for loan losses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans
    charged off&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Recoveries&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ending
    balance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Residential real estate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;One-
    to four-family&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;795&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(190&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Farm&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonresidential real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;321&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;336&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Consumer and other:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans on deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Home equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unsecured&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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  <us-gaap:ProvisionForLoanAndLeaseLosses unitRef="usd" contextRef="c345_From1Jul2019To30Jun2020_AutomobilesMember" decimals="-3">8000</us-gaap:ProvisionForLoanAndLeaseLosses>
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  <us-gaap:ProvisionForLoanAndLeaseLosses unitRef="usd" contextRef="c348_From1Jul2019To30Jun2020_UnsecuredLoansMember" decimals="-3">1000</us-gaap:ProvisionForLoanAndLeaseLosses>
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  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c349_AsOf30Jun2020_UnsecuredLoansMember" decimals="-3">1000</kffb:LoansAndLeasesReceivableAllowances>
  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c350_AsOf30Jun2019_UnallocatedLoansMember" decimals="-3">200000</kffb:LoansAndLeasesReceivableAllowances>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs unitRef="usd" contextRef="c351_From1Jul2019To30Jun2020_UnallocatedLoansMember" xs:nil="true"/>
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  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c352_AsOf30Jun2020_UnallocatedLoansMember" decimals="-3">200000</kffb:LoansAndLeasesReceivableAllowances>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs unitRef="usd" contextRef="c359_From1Jul2018To30Jun2019_MultifamilyMember" xs:nil="true"/>
  <us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts unitRef="usd" contextRef="c359_From1Jul2018To30Jun2019_MultifamilyMember" xs:nil="true"/>
  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c360_AsOf30Jun2018_ConstructionMember" decimals="-3">8000</kffb:LoansAndLeasesReceivableAllowances>
  <us-gaap:ProvisionForLoanAndLeaseLosses unitRef="usd" contextRef="c361_From1Jul2018To30Jun2019_ConstructionMember" decimals="-3">-2000</us-gaap:ProvisionForLoanAndLeaseLosses>
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  <us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts unitRef="usd" contextRef="c361_From1Jul2018To30Jun2019_ConstructionMember" xs:nil="true"/>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs unitRef="usd" contextRef="c363_From1Jul2018To30Jun2019_LandMember" xs:nil="true"/>
  <us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts unitRef="usd" contextRef="c363_From1Jul2018To30Jun2019_LandMember" xs:nil="true"/>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs unitRef="usd" contextRef="c140_From1Jul2018To30Jun2019_FarmMember" xs:nil="true"/>
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  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c365_AsOf30Jun2018_NonResidentialRealEstateMember" decimals="-3">321000</kffb:LoansAndLeasesReceivableAllowances>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs unitRef="usd" contextRef="c366_From1Jul2018To30Jun2019_NonResidentialRealEstateMember" xs:nil="true"/>
  <us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts unitRef="usd" contextRef="c366_From1Jul2018To30Jun2019_NonResidentialRealEstateMember" xs:nil="true"/>
  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c367_AsOf30Jun2018_CommercialNonmortgageMember" decimals="-3">3000</kffb:LoansAndLeasesReceivableAllowances>
  <us-gaap:ProvisionForLoanAndLeaseLosses unitRef="usd" contextRef="c368_From1Jul2018To30Jun2019_CommercialNonmortgageMember" decimals="-3">2000</us-gaap:ProvisionForLoanAndLeaseLosses>
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  <us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts unitRef="usd" contextRef="c368_From1Jul2018To30Jun2019_CommercialNonmortgageMember" xs:nil="true"/>
  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c369_AsOf30Jun2018_LoansOnDepositsMember" decimals="-3">3000</kffb:LoansAndLeasesReceivableAllowances>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs unitRef="usd" contextRef="c370_From1Jul2018To30Jun2019_LoansOnDepositsMember" xs:nil="true"/>
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  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c371_AsOf30Jun2018_HomeEquityLoanMember" decimals="-3">13000</kffb:LoansAndLeasesReceivableAllowances>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs unitRef="usd" contextRef="c372_From1Jul2018To30Jun2019_HomeEquityLoanMember" xs:nil="true"/>
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  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c373_AsOf30Jun2018_UnsecuredLoansMember" decimals="-3">1000</kffb:LoansAndLeasesReceivableAllowances>
  <us-gaap:ProvisionForLoanAndLeaseLosses unitRef="usd" contextRef="c374_From1Jul2018To30Jun2019_UnsecuredLoansMember" decimals="-3">-21000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs unitRef="usd" contextRef="c374_From1Jul2018To30Jun2019_UnsecuredLoansMember" xs:nil="true"/>
  <us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts unitRef="usd" contextRef="c374_From1Jul2018To30Jun2019_UnsecuredLoansMember" decimals="-3">20000</us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts>
  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c375_AsOf30Jun2018_UnallocatedLoansMember" decimals="-3">200000</kffb:LoansAndLeasesReceivableAllowances>
  <us-gaap:ProvisionForLoanAndLeaseLosses unitRef="usd" contextRef="c376_From1Jul2018To30Jun2019_UnallocatedLoansMember" xs:nil="true"/>
  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs unitRef="usd" contextRef="c376_From1Jul2018To30Jun2019_UnallocatedLoansMember" xs:nil="true"/>
  <us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts unitRef="usd" contextRef="c376_From1Jul2018To30Jun2019_UnallocatedLoansMember" xs:nil="true"/>
  <kffb:LoansAndLeasesReceivableAllowances unitRef="usd" contextRef="c377_AsOf30Jun2018_TotalMember" decimals="-3">1576000</kffb:LoansAndLeasesReceivableAllowances>
  <us-gaap:ProvisionForLoanAndLeaseLosses unitRef="usd" contextRef="c378_From1Jul2018To30Jun2019_TotalMember" decimals="-3">11000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs unitRef="usd" contextRef="c378_From1Jul2018To30Jun2019_TotalMember" decimals="-3">-190000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
  <us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts unitRef="usd" contextRef="c378_From1Jul2018To30Jun2019_TotalMember" decimals="-3">59000</us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts>
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    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Balance at beginning
    of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;634&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Accretion
    of income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(97&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(90&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Balance at end
    of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;447&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;544&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</kffb:CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock>
  <us-gaap:CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">544000</us-gaap:CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield>
  <us-gaap:CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield unitRef="usd" contextRef="c12_AsOf30Jun2018" decimals="-3">634000</us-gaap:CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield>
  <us-gaap:CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">97000</us-gaap:CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion>
  <us-gaap:CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">90000</us-gaap:CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion>
  <us-gaap:CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">447000</us-gaap:CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield>
  <us-gaap:DebtDisclosureTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;NOTE
D &amp;#x2013; REAL ESTATE OWNED&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Activity
in real estate owned for the years ended June 30 was as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Balance at beginning
    of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;710&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;710&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans transferred to real estate
    owned&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;304&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;347&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Capitalized expenditures&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Valuation adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(36&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(66&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Disposals&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(382&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(379&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Balance at end
    of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;640&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;710&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;</us-gaap:DebtDisclosureTextBlock>
  <us-gaap:OtherRealEstateRollForwardTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Balance at beginning
    of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;710&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;710&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loans transferred to real estate
    owned&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;304&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;347&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Capitalized expenditures&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Valuation adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(36&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(66&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Disposals&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(382&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(379&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Balance at end
    of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;640&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;710&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</us-gaap:OtherRealEstateRollForwardTableTextBlock>
  <us-gaap:OtherRealEstate unitRef="usd" contextRef="c12_AsOf30Jun2018" decimals="-3">710000</us-gaap:OtherRealEstate>
  <us-gaap:OtherRealEstateImprovements unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">304000</us-gaap:OtherRealEstateImprovements>
  <us-gaap:OtherRealEstateImprovements unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">347000</us-gaap:OtherRealEstateImprovements>
  <us-gaap:OtherRealEstateAdditions unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">44000</us-gaap:OtherRealEstateAdditions>
  <us-gaap:OtherRealEstateAdditions unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">98000</us-gaap:OtherRealEstateAdditions>
  <us-gaap:OtherRealEstateValuationAdjustments unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">36000</us-gaap:OtherRealEstateValuationAdjustments>
  <us-gaap:OtherRealEstateValuationAdjustments unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">66000</us-gaap:OtherRealEstateValuationAdjustments>
  <us-gaap:OtherRealEstateDisposals unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">382000</us-gaap:OtherRealEstateDisposals>
  <us-gaap:OtherRealEstateDisposals unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">379000</us-gaap:OtherRealEstateDisposals>
  <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;NOTE
E - PREMISES AND EQUIPMENT&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Premises
and equipment at June 30 are comprised of the following:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,516&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,516&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Buildings and improvements&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,493&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,492&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Furniture and equipment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,204&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,134&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Automobiles&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;10,249&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;10,178&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Less: accumulated
    depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5,333&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5,150&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Balance at end
    of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4,916&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5,028&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
  <us-gaap:PropertyPlantAndEquipmentTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Land&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,516&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,516&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Buildings and improvements&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,493&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,492&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Furniture and equipment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,204&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,134&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Automobiles&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;36&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;10,249&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;10,178&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Less: accumulated
    depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5,333&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5,150&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Balance at end
    of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4,916&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5,028&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
  <us-gaap:Land unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">1516000</us-gaap:Land>
  <us-gaap:Land unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">1516000</us-gaap:Land>
  <us-gaap:BuildingsAndImprovementsGross unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">6493000</us-gaap:BuildingsAndImprovementsGross>
  <us-gaap:BuildingsAndImprovementsGross unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">6492000</us-gaap:BuildingsAndImprovementsGross>
  <us-gaap:FurnitureAndFixturesGross unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">2204000</us-gaap:FurnitureAndFixturesGross>
  <us-gaap:FurnitureAndFixturesGross unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">2134000</us-gaap:FurnitureAndFixturesGross>
  <us-gaap:PropertyPlantAndEquipmentOther unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">36000</us-gaap:PropertyPlantAndEquipmentOther>
  <us-gaap:PropertyPlantAndEquipmentOther unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">36000</us-gaap:PropertyPlantAndEquipmentOther>
  <us-gaap:PropertyPlantAndEquipmentGross unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">10249000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">10178000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">5333000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
  <us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">5150000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
  <us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;NOTE
F - GOODWILL&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Goodwill
of $14.5 million was originally recorded in March 2005 when the Company, as part of its initial public offering, purchased Frankfort
First Bancorp, Inc., with a portion of the stock and cash proceeds from the offering. The Company has $14.5 million of goodwill
net of impairment losses of $13.6 million and $0 at June 30, 2020 and 2019, respectively. During the fiscal year ended June 30,
2020, a prolonged decline in the stock price of the Company exacerbated by the COVID-19 pandemic and its related economic impact
led to management&amp;#x2019;s performance of a goodwill impairment analysis as of June 30, 2020. Based on the results of this analysis
and in conjunction with management&amp;#x2019;s early adoption of ASU 2017-04, &lt;i&gt;Intangibles-Goodwill and Other (Topic 350): Simplifying
the Test for Goodwill Impairment&lt;/i&gt;, the estimated fair value of the Company was less than book value, resulting in a $13.6 million
goodwill impairment charge. Goodwill impairment exists when a Company&amp;#x2019;s reporting unit&amp;#x2019;s carrying value of goodwill
exceeds its fair value. The estimated fair value of the Company was determined based on a combination of methods including discounted
cash flows of forecasted earnings and estimated sales price based on recent observable market transactions of similar securities.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;</us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock>
  <us-gaap:GoodwillNotAllocatedAmount unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-5">14500000</us-gaap:GoodwillNotAllocatedAmount>
  <kffb:GoodwillImpairmentLosses unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-5">13600000</kffb:GoodwillImpairmentLosses>
  <kffb:GoodwillImpairmentLosses unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">0</kffb:GoodwillImpairmentLosses>
  <us-gaap:ImpairmentChargeOnReclassifiedAssets unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-5">13600000</us-gaap:ImpairmentChargeOnReclassifiedAssets>
  <us-gaap:DepositLiabilitiesDisclosuresTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;NOTE
G - DEPOSITS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Deposits
consist of the following major classifications at June 30:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Non-interest bearing
    checking accounts&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,258&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5,534&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Checking accounts&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15,133&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;13,126&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Savings accounts&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;45,571&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;43,228&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Money market
    demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;9,156&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,056&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total demand, transaction
    and passbook deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;78,118&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;69,944&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Certificates
    of deposit&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;134,155&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;125,892&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;212,273&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;195,836&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;At
June 30, 2020 and 2019, the Banks had certificate of deposit accounts with balances equal to or in excess of $250,000 totaling
approximately $13.0 million and $9.8 million, respectively.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Maturities
of outstanding certificates of deposit at June 30 are summarized as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;width: 88%; font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2021&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 9%; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;92,489&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2022&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30,819&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2023&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;7,795&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2024&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,098&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2025
    and thereafter&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,954&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;134,155&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 4pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
  <kffb:BankDeposits unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">250000</kffb:BankDeposits>
  <kffb:TimeDeposits250000OrMore unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-5">13000000</kffb:TimeDeposits250000OrMore>
  <kffb:TimeDeposits250000OrMore unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-5">9800000</kffb:TimeDeposits250000OrMore>
  <kffb:ScheduleOfDepositLiabilitiesDisclosuresTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Non-interest bearing
    checking accounts&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,258&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5,534&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Checking accounts&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15,133&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;13,126&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Savings accounts&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;45,571&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;43,228&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Money market
    demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;9,156&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,056&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total demand, transaction
    and passbook deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;78,118&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;69,944&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Certificates
    of deposit&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;134,155&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;125,892&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;212,273&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;195,836&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</kffb:ScheduleOfDepositLiabilitiesDisclosuresTableTextBlock>
  <us-gaap:NoninterestBearingDomesticDepositChecking unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">8258000</us-gaap:NoninterestBearingDomesticDepositChecking>
  <us-gaap:NoninterestBearingDomesticDepositChecking unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">5534000</us-gaap:NoninterestBearingDomesticDepositChecking>
  <us-gaap:InterestBearingDomesticDepositChecking unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">15133000</us-gaap:InterestBearingDomesticDepositChecking>
  <us-gaap:InterestBearingDomesticDepositChecking unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">13126000</us-gaap:InterestBearingDomesticDepositChecking>
  <us-gaap:DepositsSavingsDeposits unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">45571000</us-gaap:DepositsSavingsDeposits>
  <us-gaap:DepositsSavingsDeposits unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">43228000</us-gaap:DepositsSavingsDeposits>
  <us-gaap:DepositsMoneyMarketDeposits unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">9156000</us-gaap:DepositsMoneyMarketDeposits>
  <us-gaap:DepositsMoneyMarketDeposits unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">8056000</us-gaap:DepositsMoneyMarketDeposits>
  <kffb:DepositsExcludingTimeDeposits unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">78118000</kffb:DepositsExcludingTimeDeposits>
  <kffb:DepositsExcludingTimeDeposits unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">69944000</kffb:DepositsExcludingTimeDeposits>
  <us-gaap:TimeDeposits unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">134155000</us-gaap:TimeDeposits>
  <us-gaap:TimeDeposits unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">125892000</us-gaap:TimeDeposits>
  <kffb:ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;width: 88%; font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2021&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 9%; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;92,489&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2022&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30,819&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2023&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;7,795&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2024&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,098&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2025
    and thereafter&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,954&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;134,155&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 4pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</kffb:ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock>
  <us-gaap:TimeDepositMaturitiesYearOne unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">92489000</us-gaap:TimeDepositMaturitiesYearOne>
  <us-gaap:TimeDepositMaturitiesYearTwo unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">30819000</us-gaap:TimeDepositMaturitiesYearTwo>
  <us-gaap:TimeDepositMaturitiesYearThree unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">7795000</us-gaap:TimeDepositMaturitiesYearThree>
  <us-gaap:TimeDepositMaturitiesYearFour unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">1098000</us-gaap:TimeDepositMaturitiesYearFour>
  <us-gaap:TimeDepositMaturitiesAfterYearFive unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">1954000</us-gaap:TimeDepositMaturitiesAfterYearFive>
  <us-gaap:FederalHomeLoanBankAdvancesTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;NOTE
H - ADVANCES FROM THE FEDERAL HOME LOAN BANK&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Advances
from the Federal Home Loan Bank, collateralized at June 30, 2020 and 2019 by pledges of certain qualifying residential mortgage
loans totaling $172.0 million and $86.8 million, respectively, and the Banks&amp;#x2019; investment in Federal Home Loan Bank stock,
are summarized as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Maturing
    year ending June 30&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;width: 88%; font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2021&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 9%; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;28,342&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2022&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,307&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2023&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12,679&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2024&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,659&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2025&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,643&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2026&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2027&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2028-2032&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;54,715&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 4pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;At
June 30, 2020 interest rates for advances were fixed ranging from 0.21% to 2.30%, with a weighted-average interest rate of 0.99%.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;At
June 30, 2019 interest rates for advances were fixed ranging from 2.11% to 2.41%, with a weighted-average interest rate of 2.39%.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Each
advance is payable at its maturity date, with a prepayment penalty for fixed rate advances. Based on collateral composed of first
mortgage loans and the Company&amp;#x2019;s holdings of FHLB stock, the Company was eligible to borrow up to $74.6 million as of June
30, 2020. In addition, we have the ability to borrow from the Federal Reserve Bank Discount Window. At June 30, 2020, based on
home equity loans and share loans we had pledged collateral which would enable us to borrow up to $4.8 million. First Federal
Savings Bank of Kentucky at June 30, 2020, had a $5.0 million Fed Funds line of credit with the Bankers&amp;#x2019; Bank of Kentucky.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;</us-gaap:FederalHomeLoanBankAdvancesTextBlock>
  <kffb:AdvancesFromTheFederalHomeLoanBank unitRef="usd" contextRef="c381_AsOf30Jun2020_ResidentialMortgageMember" decimals="-5">172000000</kffb:AdvancesFromTheFederalHomeLoanBank>
  <kffb:AdvancesFromTheFederalHomeLoanBank unitRef="usd" contextRef="c382_AsOf30Jun2019_ResidentialMortgageMember" decimals="-5">86800000</kffb:AdvancesFromTheFederalHomeLoanBank>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd unitRef="pure" contextRef="c383_AsOf30Jun2020_MinimumMember" decimals="4">0.0021</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd unitRef="pure" contextRef="c384_AsOf30Jun2020_MaximumMember" decimals="4">0.0230</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd unitRef="pure" contextRef="c385_AsOf30Jun2020_WeightedAverageMember" decimals="4">0.0099</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd unitRef="pure" contextRef="c386_AsOf30Jun2019_MinimumMember" decimals="4">0.0211</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd unitRef="pure" contextRef="c387_AsOf30Jun2019_MaximumMember" decimals="4">0.0241</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd unitRef="pure" contextRef="c388_AsOf30Jun2019_WeightedAverageMember" decimals="4">0.0239</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-5">74600000</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1 unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-5">4800000</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1>
  <us-gaap:LineOfCredit unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-5">5000000</us-gaap:LineOfCredit>
  <us-gaap:FederalHomeLoanBankAdvancesTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Maturing
    year ending June 30&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;width: 88%; font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2021&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 9%; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;28,342&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;width: 1%; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2022&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,307&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2023&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12,679&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2024&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,659&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2025&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,643&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2026&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;31&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2027&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2028-2032&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;54,715&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 4pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</us-gaap:FederalHomeLoanBankAdvancesTableTextBlock>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">28342000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">6307000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">12679000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">3659000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">3643000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate>
  <kffb:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">31000</kffb:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate>
  <kffb:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">22000</kffb:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate>
  <kffb:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">32000</kffb:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate>
  <us-gaap:AdvancesFromFederalHomeLoanBanks unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">54715000</us-gaap:AdvancesFromFederalHomeLoanBanks>
  <us-gaap:IncomeTaxDisclosureTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;NOTE
I - FEDERAL INCOME TAXES&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Federal
income taxes on earnings differs from that computed at the statutory corporate tax rate for the years ended June 30, 2020 and
2019, as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Federal income taxes at
    the statutory rate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2,579&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Increase (decrease) resulting primarily
    from:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Cash surrender value
    of life insurance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(16&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(15&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Deferred tax liability
    adjustment, net, resulting from Kentucky tax legislation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(63&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Goodwill impairment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,848&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;264&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;141&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
composition of the Company&amp;#x2019;s net deferred tax liability at June 30 is as follows:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Taxes (payable refundable on temporary
    differences at estimated corporate tax rate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Deferred tax assets:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;General
    loan loss allowance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;371&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;363&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Accrued expenses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;113&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Fair value accounting
    adjustments on acquisition&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;199&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;223&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonaccrued interest
    on loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other real estate
    owned adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Charitable contributions&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;State
    net operating loss carryforward&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;170&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total deferred
    tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;918&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,025&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Deferred tax liabilities:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Federal Home Loan
    Bank stock dividends&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(981&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(981&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Deferred loan origination
    costs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(33&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(48&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loan servicing rights&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(24&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(18&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Accrual to cash adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(170&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(127&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Fair
    value accounting adjustments on acquisition&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(547&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(552&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    deferred tax liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,755&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,726&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    deferred tax liability&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(837&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(701&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;As
discussed in Note A, in the fiscal year ended June 30, 2019, the Company recognized a tax benefit of $63,000 as a result of the
tax legislation enacted by the Commonwealth of Kentucky in spring 2019. As a result of HB 458 on combined reporting, the Company
recorded a deferred tax asset for the state net operating loss carryforward. The losses are expected to be utilized when the Company
begins filing a combined Kentucky income tax return with the Banks. The loss carryforward expires beginning 2032.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Prior
to 1997, the Banks were allowed a special bad debt deduction, generally limited to 8% of otherwise taxable income, and subject
to certain limitations based on aggregate loans and deposit account balances at the end of the year. If the amounts that qualified
as deductions for federal income taxes are later used for purposes other than bad debt losses, including distributions in excess
of accumulated earnings and profits, such distributions will be subject to federal income taxes at the then current corporate
income tax rate. Retained earnings at June&amp;#xa0;30, 2020, include approximately $5.2 million for which federal income taxes have
not been provided. The amount of unrecognized deferred tax liability relating to the cumulative bad debt deduction was approximately
$1.3 million at June 30, 2020.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
  <kffb:IncomeTaxExpensesBenefit unitRef="usd" contextRef="c389_From1Jul2018To30Jun2019_ParentMember" decimals="0">63000</kffb:IncomeTaxExpensesBenefit>
  <kffb:RetainedEarningsNotRecognizedFederalIncomeTaxes unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-5">5200000</kffb:RetainedEarningsNotRecognizedFederalIncomeTaxes>
  <us-gaap:DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-5">1300000</us-gaap:DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender>
  <us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Federal income taxes at
    the statutory rate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2,579&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;200&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Increase (decrease) resulting primarily
    from:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Cash surrender value
    of life insurance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(16&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(15&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Deferred tax liability
    adjustment, net, resulting from Kentucky tax legislation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(63&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Goodwill impairment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,848&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;264&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;141&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
  <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">-2579000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
  <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">200000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
  <kffb:CashSurrenderValueOfLifeInsurances unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">-16000</kffb:CashSurrenderValueOfLifeInsurances>
  <kffb:CashSurrenderValueOfLifeInsurances unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">-15000</kffb:CashSurrenderValueOfLifeInsurances>
  <kffb:IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1 unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">14000</kffb:IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1>
  <kffb:IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1 unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">-63000</kffb:IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1>
  <kffb:GoodwillImpairmentsLoss unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">2848000</kffb:GoodwillImpairmentsLoss>
  <us-gaap:IncomeTaxReconciliationOtherReconcilingItems unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">-3000</us-gaap:IncomeTaxReconciliationOtherReconcilingItems>
  <us-gaap:IncomeTaxReconciliationOtherReconcilingItems unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">19000</us-gaap:IncomeTaxReconciliationOtherReconcilingItems>
  <us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-3">264000</us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations>
  <us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-3">141000</us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations>
  <us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Taxes (payable refundable on temporary
    differences at estimated corporate tax rate:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Deferred tax assets:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;General
    loan loss allowance&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;371&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;363&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Accrued expenses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;113&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Fair value accounting
    adjustments on acquisition&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;199&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;223&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Nonaccrued interest
    on loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;102&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other real estate
    owned adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;38&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Charitable contributions&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;State
    net operating loss carryforward&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;170&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total deferred
    tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;918&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,025&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Deferred tax liabilities:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Federal Home Loan
    Bank stock dividends&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(981&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(981&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Deferred loan origination
    costs&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(33&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(48&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Loan servicing rights&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(24&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(18&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Accrual to cash adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(170&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(127&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Fair
    value accounting adjustments on acquisition&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(547&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(552&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    deferred tax liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,755&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,726&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    deferred tax liability&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(837&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(701&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">371000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">363000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">164000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">113000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities>
  <kffb:DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">199000</kffb:DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition>
  <kffb:DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">223000</kffb:DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition>
  <kffb:DeferredTaxAssetsNonaccuredInterestOnLoans unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">118000</kffb:DeferredTaxAssetsNonaccuredInterestOnLoans>
  <kffb:DeferredTaxAssetsNonaccuredInterestOnLoans unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">102000</kffb:DeferredTaxAssetsNonaccuredInterestOnLoans>
  <kffb:DeferredTaxAssetsOtherRealEstateOwnedAdjustments unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">17000</kffb:DeferredTaxAssetsOtherRealEstateOwnedAdjustments>
  <kffb:DeferredTaxAssetsOtherRealEstateOwnedAdjustments unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">16000</kffb:DeferredTaxAssetsOtherRealEstateOwnedAdjustments>
  <us-gaap:DeferredTaxAssetsPropertyPlantAndEquipment unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">37000</us-gaap:DeferredTaxAssetsPropertyPlantAndEquipment>
  <us-gaap:DeferredTaxAssetsPropertyPlantAndEquipment unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">38000</us-gaap:DeferredTaxAssetsPropertyPlantAndEquipment>
  <us-gaap:DeferredTaxAssetsCharitableContributionCarryforwards unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">12000</us-gaap:DeferredTaxAssetsCharitableContributionCarryforwards>
  <us-gaap:DeferredTaxAssetsCharitableContributionCarryforwards unitRef="usd" contextRef="c4_AsOf30Jun2019" xs:nil="true"/>
  <us-gaap:DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal unitRef="usd" contextRef="c3_AsOf30Jun2020" xs:nil="true"/>
  <us-gaap:DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">170000</us-gaap:DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal>
  <us-gaap:DeferredTaxAssetsGross unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">918000</us-gaap:DeferredTaxAssetsGross>
  <us-gaap:DeferredTaxAssetsGross unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">1025000</us-gaap:DeferredTaxAssetsGross>
  <kffb:DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">981000</kffb:DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends>
  <kffb:DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">981000</kffb:DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends>
  <kffb:DeferredTaxLiabilitiesDeferredLoanOriginationCosts unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">33000</kffb:DeferredTaxLiabilitiesDeferredLoanOriginationCosts>
  <kffb:DeferredTaxLiabilitiesDeferredLoanOriginationCosts unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">48000</kffb:DeferredTaxLiabilitiesDeferredLoanOriginationCosts>
  <us-gaap:DeferredTaxLiabilitiesMortgageServicingRights unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">24000</us-gaap:DeferredTaxLiabilitiesMortgageServicingRights>
  <us-gaap:DeferredTaxLiabilitiesMortgageServicingRights unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">18000</us-gaap:DeferredTaxLiabilitiesMortgageServicingRights>
  <kffb:DeferredTaxLiabilitiesAccrualToCashAdjustment unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">170000</kffb:DeferredTaxLiabilitiesAccrualToCashAdjustment>
  <kffb:DeferredTaxLiabilitiesAccrualToCashAdjustment unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">127000</kffb:DeferredTaxLiabilitiesAccrualToCashAdjustment>
  <kffb:FairValueAccountingAdjustmentOnAcquisition unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">547000</kffb:FairValueAccountingAdjustmentOnAcquisition>
  <kffb:FairValueAccountingAdjustmentOnAcquisition unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">552000</kffb:FairValueAccountingAdjustmentOnAcquisition>
  <us-gaap:DeferredIncomeTaxLiabilities unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">1755000</us-gaap:DeferredIncomeTaxLiabilities>
  <us-gaap:DeferredIncomeTaxLiabilities unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">1726000</us-gaap:DeferredIncomeTaxLiabilities>
  <us-gaap:DeferredTaxLiabilities unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-3">837000</us-gaap:DeferredTaxLiabilities>
  <us-gaap:DeferredTaxLiabilities unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-3">701000</us-gaap:DeferredTaxLiabilities>
  <us-gaap:CommitmentsDisclosureTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;NOTE
J - LOAN COMMITMENTS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
Banks are a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing
needs of their customers, including commitments to extend credit. Such commitments involve, to varying degrees, elements of credit
and interest-rate risk in excess of the amount recognized in the consolidated statements of financial condition. The contract
or notional amounts of the commitments reflect the extent of the Banks&amp;#x2019; involvement in such financial instruments.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
Banks&amp;#x2019; exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments
to extend credit is represented by the contractual notional amount of those instruments. The Banks use the same credit policies
in making commitments and conditional obligations as those utilized for on-balance-sheet instruments.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;At
June 30, 2020 and 2019, the Banks had the following outstanding loan commitments:&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Fixed&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Variable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Fixed&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Variable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unused commitment:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Revolving,
    open-end lines secured by real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;10,354&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;9,520&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commitments to fund real estate construction
    loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;854&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,443&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,715&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,386&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other unused commitment:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and
    industrial loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,156&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,576&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,454&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,145&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,240&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Letters of credit&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commitments
to make loans are generally made for periods of 60 days or less. The fixed rate loan commitments at June 30, 2020 totaled $854,000
and had interest rates ranging from 3.25% to 6.00% and maturities ranging from 1 year to 30 years. The fixed rate loan commitments
at June 30, 2019 totaled $2.7 million and had interest rates ranging from 3.75% to 7.00% with maturities ranging from 7 years
to 20 years.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;</us-gaap:CommitmentsDisclosureTextBlock>
  <srt:MortgageLoansOnRealEstateFaceAmountOfMortgages unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="0">854000</srt:MortgageLoansOnRealEstateFaceAmountOfMortgages>
  <srt:MortgageLoansOnRealEstateInterestRate unitRef="pure" contextRef="c390_From1Jul2019To30Jun2020_MinimumMember" decimals="4">0.0325</srt:MortgageLoansOnRealEstateInterestRate>
  <srt:MortgageLoansOnRealEstateInterestRate unitRef="pure" contextRef="c391_From1Jul2019To30Jun2020_MaximumMember" decimals="4">0.0600</srt:MortgageLoansOnRealEstateInterestRate>
  <kffb:MortgageLoansOnRealEstateMaturityTerm contextRef="c390_From1Jul2019To30Jun2020_MinimumMember">P1Y</kffb:MortgageLoansOnRealEstateMaturityTerm>
  <kffb:MortgageLoansOnRealEstateMaturityTerm contextRef="c391_From1Jul2019To30Jun2020_MaximumMember">P30Y</kffb:MortgageLoansOnRealEstateMaturityTerm>
  <srt:MortgageLoansOnRealEstateFaceAmountOfMortgages unitRef="usd" contextRef="c4_AsOf30Jun2019" decimals="-5">2700000</srt:MortgageLoansOnRealEstateFaceAmountOfMortgages>
  <srt:MortgageLoansOnRealEstateInterestRate unitRef="pure" contextRef="c392_From1Jul2018To30Jun2019_MinimumMember" decimals="4">0.0375</srt:MortgageLoansOnRealEstateInterestRate>
  <srt:MortgageLoansOnRealEstateInterestRate unitRef="pure" contextRef="c393_From1Jul2018To30Jun2019_MaximumMember" decimals="4">0.0700</srt:MortgageLoansOnRealEstateInterestRate>
  <kffb:MortgageLoansOnRealEstateMaturityTerm contextRef="c392_From1Jul2018To30Jun2019_MinimumMember">P7Y</kffb:MortgageLoansOnRealEstateMaturityTerm>
  <kffb:MortgageLoansOnRealEstateMaturityTerm contextRef="c393_From1Jul2018To30Jun2019_MaximumMember">P20Y</kffb:MortgageLoansOnRealEstateMaturityTerm>
  <kffb:UnusedCommitmentsTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(in
    thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Fixed&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Variable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Fixed&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Variable&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unused commitment:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Revolving,
    open-end lines secured by real estate&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;10,354&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;9,520&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commitments to fund real estate construction
    loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;854&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,443&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,715&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,386&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other unused commitment:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Commercial and
    industrial loans&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,541&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,156&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,145&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,240&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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  <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;NOTE
K &amp;#x2013; STOCKHOLDERS&amp;#x2019; EQUITY AND REGULATORY CAPITAL &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;Qualified
Thrift Lender &amp;#x2013; &lt;/b&gt;Federal regulations require the Banks comply with the Qualified Thrift Lender (&amp;#x201c;QTL&amp;#x201d;) test,
which requires that 65% of assets be maintained in housing-related finance and other specified assets. If the QTL test is not
met, limits are placed on growth, branching, new investment, FHLB advances, and dividends or the institutions must convert to
a commercial bank charter. Management believes that the QTL test has been met.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;Dividend
Restrictions &amp;#x2013; &lt;/b&gt;Dividends from the Banks are the primary source of funds for the Company. Banking regulations limit the
amount of dividends that may be paid to the Company by the Banks without prior approval of the Office of the Controller of the
Currency (the &amp;#x201c;OCC.&amp;#x201d;) Under these regulations the amount of dividends that may be paid in any calendar year is limited
to the current year&amp;#x2019;s net profits, combined with the retained net profits of the preceding two years. At June 30, 2020,
the Banks could, without prior approval, declare no dividends.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;Regulatory
Capital Requirements - &lt;/b&gt;The Banks are subject to minimum regulatory capital standards promulgated by the OCC. Failure to meet
minimum capital requirements can initiate certain mandatory -- and possibly additional discretionary -- actions by regulators
that, if undertaken, could have a direct material effect on the Company&amp;#x2019;s consolidated financial statements. Under capital
adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Banks must meet specific capital
guidelines that involve quantitative measures of the Company&amp;#x2019;s assets, liabilities, and certain off-balance-sheet items
as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments
by the regulators about components, risk weightings, and other factors.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Prompt
corrective action regulations provide five classifications: well-capitalized, adequately capitalized, undercapitalized, significantly
undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition.
If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions
are limited, as is asset growth and expansion, and capital restoration plans are required.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;Capital
Standards &amp;#x2013; &lt;/b&gt;Effective January 1, 2020, the Company and the Banks became subject to the Community Bank Leverage Ratio
(&amp;#x201c;CBLR&amp;#x201d;) framework. Previously the Company and the Banks were subject to regulatory capital reforms in accordance
with Basel III.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;i&gt;Community
Bank Leverage Ratio&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Certain
community banks and holding companies (which include the Company, Frankfort First, First Federal of Kentucky and First Federal
of Hazard) that satisfy certain qualifying criteria, including having less than $10 billion in average total consolidated assets
and a leverage ratio (referred to as the &amp;#x201c;community bank leverage ratio&amp;#x201d;) of greater than 9%, were eligible to opt-in
to the CBLR framework. The CBLR ratio is the ratio of a banking organization&amp;#x2019;s Tier 1 capital to its average total consolidated
assets as reported on the banking organization&amp;#x2019;s applicable regulatory filings. The Banks elected to utilize the CBLR framework
effective for the quarter ended March 31, 2020.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;On
April 6, 2020, federal banking regulators issued two interim final rules that make changes to the CBLR ratio framework and implement
certain directives of the Coronavirus Aid, Relief, and Economic Security (&amp;#x201c;CARES&amp;#x201d;) Act. The first of the April 2020
interim final rules reduced the minimum ratio from 9% to 8% for those banking organizations otherwise meeting the other existing
qualifying criteria) as well as establishing a two-quarter grace period for qualifying community banking organizations whose leverage
ratios fall below the 8% CBLR requirement, so long as the banking organization maintains a leverage ratio of 7% or greater. The
second interim final rule provides a transition from the temporary 8% CBLR requirement to a 9% requirement. It establishes a minimum
CBLR of 8% for the second through fourth quarters of 2020, an 8.5% minimum for 2021 and 9% thereafter, while maintaining a two-quarter
grace period for qualifying community banking organizations whose leverage ratios fall no more than 100 basis points below the
applicable CBLR requirement. The Company intends to continue with the existing layered ratio structure. Under this framework the
Company and the Banks would be considered well-capitalized under the applicable guidelines.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
Basel III, which became effective January 1, 2015, established higher minimum risk-based capital ratio requirements, a new common
equity Tier 1 risk-based capital ratio and a new capital conservation buffer (&amp;#x201c;CCB.&amp;#x201d;) The regulations also included
revisions to the definition of capital and changes in the risk-weighting of certain assets, in addition to redefining &amp;#x201c;well
capitalized&amp;#x201d; as a 6.5% common equity Tier 1 risk-based capital ratio, an 8.0% Tier 1 risk-based capital ratio, a 10.0% total
risk-based capital ratio and a 5.0% Tier 1 leverage ratio. The CCB is 2.5% and, if the Company and the Banks were unable to qualify
for the CBLR framework, in order to avoid limitations on capital distributions, including dividend payments, engaging in share
repurchases and certain discretionary bonus payments to executive officers, must maintain the CCB at the appropriate level.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
Company&amp;#x2019;s regulatory capital as of June 30, 2020, is presented in the following table.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Minimum
    Requirement&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;For
    Capital&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Actual&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Adequacy
    Purposes&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(Dollars in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Risk-based capital:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Common
    Equity Tier 1 capital ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;50,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;27.6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,305&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Tier 1 (core) capital
    ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;50,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;27.6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;11,073&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total capital ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;50,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;27.6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;14,764&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Leverage capital:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Tier 1 leverage capital
    to average assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;50,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15.4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;13,220&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
Banks&amp;#x2019; regulatory capital as of June 30, 2020, is presented in the following table.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Minimum
    Requirement&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;For
    Capital&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Actual&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Adequacy
    Purposes&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(Dollars in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Community Bank Leverage Ratio:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First
    Federal Savings and Loan Association of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;18,256&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;21.9&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,740&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal Savings
    Bank of Kentucky&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;29,898&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12.1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15,153&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Minimum&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;As
    of June 30, 2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Requirement&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Minimum&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;To
    be &amp;#x201c;Well-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Requirement&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Capitalized&amp;#x201d;
    Under&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;For
    Capital&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Prompt
    Corrective&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Actual&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Adequacy
    Purposes&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Action
    Provisions&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;(Dollars
    in thousands)&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Risk-based capital:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Common Equity Tier
    1 capital ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 40%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Kentucky First Federal&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;51,767&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;26.8&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;N/A&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;N/A&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;18,275&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;38.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,139&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,090&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Kentucky&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;29,659&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;20.4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6,543&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Tier 1 (core) capital
    ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,803&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Kentucky&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;29,659&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;20.4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,724&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;11,632&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total capital ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Kentucky First Federal&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;53,223&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;27.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15,441&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Leverage capital:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Tier 1 leverage capital
    to average assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Kentucky First Federal&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;51,767&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;16.7&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12,424&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;N/A&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;N/A&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;18,275&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;22.3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,285&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4,106&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Kentucky&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;29,659&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12.9&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;9,175&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;11,469&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;As
of June 30, 2020 and 2019, management believes that First Federal of Hazard and First Federal of Kentucky met all capital adequacy
requirements to which the Banks were subject. There are no conditions or subsequent events that have occurred that managements
believes have changed the Banks&amp;#x2019; categories.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Regulations
of the Board of Governors of the Federal Reserve System governing mutual holding companies require First Federal MHC to meet certain
criteria before the company may waive the receipt by it of any common stock dividend declared by Kentucky First Federal Bancorp.
During each of the fiscal years ended June 30, 2020 and 2019, and pursuant to the provisions allowed by the Board of Governors
of the Federal Reserve System, First Federal MHC waived $1.9 million in dividends.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <kffb:QualifiedThriftLenderTestDescription contextRef="c0_From1Jul2019To30Jun2020">Federal regulations require the Banks comply with the Qualified Thrift Lender (&amp;#x201c;QTL&amp;#x201d;) test, which requires that 65% of assets be maintained in housing-related finance and other specified assets.</kffb:QualifiedThriftLenderTestDescription>
  <kffb:AverageTotalConsolidatedAssets unitRef="usd" contextRef="c3_AsOf30Jun2020" decimals="-9">10000000000</kffb:AverageTotalConsolidatedAssets>
  <kffb:LeverageRatio unitRef="pure" contextRef="c3_AsOf30Jun2020" decimals="2">0.09</kffb:LeverageRatio>
  <us-gaap:DescriptionOfFactorsThatMayAffectMinimumNetWorthRequirements contextRef="c0_From1Jul2019To30Jun2020">The first of the April 2020 interim final rules reduced the minimum ratio from 9% to 8% for those banking organizations otherwise meeting the other existing qualifying criteria) as well as establishing a two-quarter grace period for qualifying community banking organizations whose leverage ratios fall below the 8% CBLR requirement, so long as the banking organization maintains a leverage ratio of 7% or greater. The second interim final rule provides a transition from the temporary 8% CBLR requirement to a 9% requirement. It establishes a minimum CBLR of 8% for the second through fourth quarters of 2020, an 8.5% minimum for 2021 and 9% thereafter, while maintaining a two-quarter grace period for qualifying community banking organizations whose leverage ratios fall no more than 100 basis points below the applicable CBLR requirement. The Company intends to continue with the existing layered ratio structure. Under this framework the Company and the Banks would be considered well-capitalized under the applicable guidelines.</us-gaap:DescriptionOfFactorsThatMayAffectMinimumNetWorthRequirements>
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets unitRef="pure" contextRef="c414_AsOf30Jun2020_NewCapitalRulesMember" decimals="3">0.065</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets unitRef="pure" contextRef="c414_AsOf30Jun2020_NewCapitalRulesMember" decimals="3">0.080</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
  <us-gaap:CapitalToRiskWeightedAssets unitRef="pure" contextRef="c414_AsOf30Jun2020_NewCapitalRulesMember" decimals="3">0.100</us-gaap:CapitalToRiskWeightedAssets>
  <us-gaap:TierOneLeverageCapitalToAverageAssets unitRef="pure" contextRef="c414_AsOf30Jun2020_NewCapitalRulesMember" decimals="3">0.050</us-gaap:TierOneLeverageCapitalToAverageAssets>
  <us-gaap:BankingRegulationTotalRiskBasedCapitalRatioUndercapitalizedMinimum unitRef="pure" contextRef="c3_AsOf30Jun2020" decimals="3">0.025</us-gaap:BankingRegulationTotalRiskBasedCapitalRatioUndercapitalizedMinimum>
  <kffb:DividendsWaived unitRef="usd" contextRef="c0_From1Jul2019To30Jun2020" decimals="-5">1900000</kffb:DividendsWaived>
  <kffb:DividendsWaived unitRef="usd" contextRef="c5_From1Jul2018To30Jun2019" decimals="-5">1900000</kffb:DividendsWaived>
  <kffb:RegulatoryCapitalTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Minimum
    Requirement&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;For
    Capital&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Actual&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Adequacy
    Purposes&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(Dollars in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Risk-based capital:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Common
    Equity Tier 1 capital ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;50,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;27.6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,305&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Tier 1 (core) capital
    ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;50,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;27.6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;11,073&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total capital ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;50,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;27.6&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;14,764&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Leverage capital:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Tier 1 leverage capital
    to average assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;50,962&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15.4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;13,220&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Minimum
    Requirement&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;For
    Capital&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Actual&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Adequacy
    Purposes&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(Dollars in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Community Bank Leverage Ratio:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 52%; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First
    Federal Savings and Loan Association of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;18,256&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;21.9&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,740&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal Savings
    Bank of Kentucky&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;29,898&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12.1&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15,153&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</kffb:RegulatoryCapitalTableTextBlock>
  <kffb:TierOneCommonEquityCapital unitRef="usd" contextRef="c415_AsOf30Jun2020_CommonEquityTierOneCapitalRatioMember_RiskBasedCapitalMember" decimals="-3">50962000</kffb:TierOneCommonEquityCapital>
  <kffb:TierOneCommonEquityCapitalToAverageAssetsRatio unitRef="pure" contextRef="c415_AsOf30Jun2020_CommonEquityTierOneCapitalRatioMember_RiskBasedCapitalMember" decimals="3">0.276</kffb:TierOneCommonEquityCapitalToAverageAssetsRatio>
  <kffb:TierOneCommonEquityRequiredForCapitalAdequacy unitRef="usd" contextRef="c415_AsOf30Jun2020_CommonEquityTierOneCapitalRatioMember_RiskBasedCapitalMember" decimals="-3">8305000</kffb:TierOneCommonEquityRequiredForCapitalAdequacy>
  <kffb:MinimumRequirementForCapitalAdequacyPurposesRatio unitRef="pure" contextRef="c415_AsOf30Jun2020_CommonEquityTierOneCapitalRatioMember_RiskBasedCapitalMember" decimals="3">0.045</kffb:MinimumRequirementForCapitalAdequacyPurposesRatio>
  <kffb:TierOneCommonEquityCapital unitRef="usd" contextRef="c416_AsOf30Jun2020_TierOneCoreCapitalRatioMember_RiskBasedCapitalMember" decimals="-3">50962000</kffb:TierOneCommonEquityCapital>
  <kffb:TierOneCommonEquityCapitalToAverageAssetsRatio unitRef="pure" contextRef="c416_AsOf30Jun2020_TierOneCoreCapitalRatioMember_RiskBasedCapitalMember" decimals="3">0.276</kffb:TierOneCommonEquityCapitalToAverageAssetsRatio>
  <kffb:TierOneCommonEquityRequiredForCapitalAdequacy unitRef="usd" contextRef="c416_AsOf30Jun2020_TierOneCoreCapitalRatioMember_RiskBasedCapitalMember" decimals="-3">11073000</kffb:TierOneCommonEquityRequiredForCapitalAdequacy>
  <kffb:MinimumRequirementForCapitalAdequacyPurposesRatio unitRef="pure" contextRef="c416_AsOf30Jun2020_TierOneCoreCapitalRatioMember_RiskBasedCapitalMember" decimals="3">0.060</kffb:MinimumRequirementForCapitalAdequacyPurposesRatio>
  <kffb:TierOneCommonEquityCapital unitRef="usd" contextRef="c417_AsOf30Jun2020_CapitalRatioMember_RiskBasedCapitalMember" decimals="-3">50962000</kffb:TierOneCommonEquityCapital>
  <kffb:TierOneCommonEquityCapitalToAverageAssetsRatio unitRef="pure" contextRef="c417_AsOf30Jun2020_CapitalRatioMember_RiskBasedCapitalMember" decimals="3">0.276</kffb:TierOneCommonEquityCapitalToAverageAssetsRatio>
  <kffb:TierOneCommonEquityRequiredForCapitalAdequacy unitRef="usd" contextRef="c417_AsOf30Jun2020_CapitalRatioMember_RiskBasedCapitalMember" decimals="-3">14764000</kffb:TierOneCommonEquityRequiredForCapitalAdequacy>
  <kffb:MinimumRequirementForCapitalAdequacyPurposesRatio unitRef="pure" contextRef="c417_AsOf30Jun2020_CapitalRatioMember_RiskBasedCapitalMember" decimals="3">0.080</kffb:MinimumRequirementForCapitalAdequacyPurposesRatio>
  <kffb:TierOneCommonEquityCapital unitRef="usd" contextRef="c418_AsOf30Jun2020_TierOneLeverageCapitalToAverageAssetsMember_LeverageCapitalMember" decimals="-3">50962000</kffb:TierOneCommonEquityCapital>
  <kffb:TierOneCommonEquityCapitalToAverageAssetsRatio unitRef="pure" contextRef="c418_AsOf30Jun2020_TierOneLeverageCapitalToAverageAssetsMember_LeverageCapitalMember" decimals="3">0.154</kffb:TierOneCommonEquityCapitalToAverageAssetsRatio>
  <kffb:TierOneCommonEquityRequiredForCapitalAdequacy unitRef="usd" contextRef="c418_AsOf30Jun2020_TierOneLeverageCapitalToAverageAssetsMember_LeverageCapitalMember" decimals="-3">13220000</kffb:TierOneCommonEquityRequiredForCapitalAdequacy>
  <kffb:MinimumRequirementForCapitalAdequacyPurposesRatio unitRef="pure" contextRef="c418_AsOf30Jun2020_TierOneLeverageCapitalToAverageAssetsMember_LeverageCapitalMember" decimals="3">0.040</kffb:MinimumRequirementForCapitalAdequacyPurposesRatio>
  <kffb:TierOneCommonEquityCapital unitRef="usd" contextRef="c419_AsOf30Jun2020_CommunityBankLeverageRatioMember_FirstFederalSavingsAndLoanAssociationOfHazardMember" decimals="-3">18256000</kffb:TierOneCommonEquityCapital>
  <kffb:TierOneCommonEquityCapitalToAverageAssetsRatio unitRef="pure" contextRef="c419_AsOf30Jun2020_CommunityBankLeverageRatioMember_FirstFederalSavingsAndLoanAssociationOfHazardMember" decimals="3">0.219</kffb:TierOneCommonEquityCapitalToAverageAssetsRatio>
  <kffb:TierOneCommonEquityRequiredForCapitalAdequacy unitRef="usd" contextRef="c419_AsOf30Jun2020_CommunityBankLeverageRatioMember_FirstFederalSavingsAndLoanAssociationOfHazardMember" decimals="-3">3740000</kffb:TierOneCommonEquityRequiredForCapitalAdequacy>
  <kffb:MinimumRequirementForCapitalAdequacyPurposesRatio unitRef="pure" contextRef="c419_AsOf30Jun2020_CommunityBankLeverageRatioMember_FirstFederalSavingsAndLoanAssociationOfHazardMember" decimals="3">0.080</kffb:MinimumRequirementForCapitalAdequacyPurposesRatio>
  <kffb:TierOneCommonEquityCapital unitRef="usd" contextRef="c420_AsOf30Jun2020_CommunityBankLeverageRatioMember_FirstFederalSavingsBankOfKentuckyMember" decimals="-3">29898000</kffb:TierOneCommonEquityCapital>
  <kffb:TierOneCommonEquityCapitalToAverageAssetsRatio unitRef="pure" contextRef="c420_AsOf30Jun2020_CommunityBankLeverageRatioMember_FirstFederalSavingsBankOfKentuckyMember" decimals="3">0.121</kffb:TierOneCommonEquityCapitalToAverageAssetsRatio>
  <kffb:TierOneCommonEquityRequiredForCapitalAdequacy unitRef="usd" contextRef="c420_AsOf30Jun2020_CommunityBankLeverageRatioMember_FirstFederalSavingsBankOfKentuckyMember" decimals="-3">15153000</kffb:TierOneCommonEquityRequiredForCapitalAdequacy>
  <kffb:MinimumRequirementForCapitalAdequacyPurposesRatio unitRef="pure" contextRef="c420_AsOf30Jun2020_CommunityBankLeverageRatioMember_FirstFederalSavingsBankOfKentuckyMember" decimals="3">0.080</kffb:MinimumRequirementForCapitalAdequacyPurposesRatio>
  <us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Minimum&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;14&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;As
    of June 30, 2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Requirement&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Minimum&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;To
    be &amp;#x201c;Well-&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Requirement&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Capitalized&amp;#x201d;
    Under&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;For
    Capital&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Prompt
    Corrective&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Actual&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Adequacy
    Purposes&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Action
    Provisions&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;6&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;(Dollars
    in thousands)&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;&amp;#xa0;&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Risk-based capital:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Common Equity Tier
    1 capital ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 40%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Kentucky First Federal&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;51,767&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;26.8&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,685&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;N/A&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 7%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;N/A&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;18,275&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;38.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,139&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,090&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Kentucky&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;29,659&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Tier 1 (core) capital
    ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Kentucky First Federal&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,803&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Kentucky&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;20.4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8,724&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;6.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;11,632&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;8.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total capital ratio&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Kentucky First Federal&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;53,223&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;27.5&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;15,441&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Leverage capital:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Tier 1 leverage capital
    to average assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Kentucky First Federal&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;51,767&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;16.7&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12,424&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;N/A&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif; font-size: 10pt&quot;&gt;N/A&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;18,275&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;22.3&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;3,285&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4,106&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;5.0&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;First Federal of Kentucky&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;29,659&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12.9&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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  <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;NOTE
L - CONDENSED FINANCIAL STATEMENTS OF KENTUCKY FIRST FEDERAL BANCORP&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;The
following condensed financial statements summarize the financial position of Kentucky First Federal Bancorp as of June 30, 2020
and 2019, and the results of its operations and its cash flows for the fiscal years ended June 30, 2020 and 2019.&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;KENTUCKY
FIRST FEDERAL BANCORP&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;BALANCE
SHEETS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;June
30, 2020 and 2019&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(In
thousands)&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; width: 76%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Interest-bearing
    deposits in First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,282&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,168&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Interest-bearing
    deposits in First Federal of Kentucky&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;167&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,057&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other interest-bearing
    deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Investment in
    First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;18,314&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;18,366&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Investment in
    Frankfort First&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;31,257&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;44,740&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Prepaid
    expenses and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;883&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;939&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;51,937&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;66,300&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;LIABILITIES AND SHAREHOLDERS&amp;#x2019;
    EQUITY&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Accounts
    payable and other liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Shareholders&amp;#x2019;
    equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;51,911&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;66,278&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    liabilities and shareholders&amp;#x2019; equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;51,937&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;66,300&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;KENTUCKY
FIRST FEDERAL BANCORP&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;STATEMENTS
OF OPERATIONS AND COMPREHENSIVE (LOSS) INCOME&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Years
ended June 30, 2020 and 2019&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(Dollar
amounts in thousands)&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Interest
    income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;42&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Dividends
    from First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;607&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;740&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Equity
    in undistributed (excess distributed) earnings of First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(47&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(224&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Dividends
    from Frankfort First&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;576&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,499&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Equity
    in undistributed (excess distributed) earnings of Frankfort First&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(13,459&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,981&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(12,281&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,815&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Non-interest
    expenses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;325&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;382&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(Loss)
    earnings before income taxes&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(12,606&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;941&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Federal
    income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(59&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(106&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    (loss) income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(12,547&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;812&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other
    comprehensive (loss) income, net of tax-related effects:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unrealized
    holding gains (losses) on securities designated as available for sale during the year, net of taxes (benefits) of $(1) and
    $1 in 2020 and 2019, respectively&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Comprehensive
    (loss) income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(12,549&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;816&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;KENTUCKY
FIRST FEDERAL BANCORP&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;b&gt;STATEMENTS
OF CASH FLOWS&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;For
Years ended June 30, 2020 and 2019&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;p style=&quot;font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(Dollar
amounts in thousands)&lt;/font&gt;&lt;/p&gt;&lt;br/&gt;&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Cash flows from operating activities:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    (loss) earnings for the year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(12,547&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;812&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Adjustments
    to reconcile net earnings to net cash provided by operating activities:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Excess
    (deficit) distributions over earnings (undistributed earnings) from consolidated subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;13,509&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,205&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Noncash
    compensation expense&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,588&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Increase
    (decrease) in cash due to changes in:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Prepaid
    expenses and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;68&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(206&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other
    liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(10&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 34.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    cash provided by operating activities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,158&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,970&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Cash
    flows from investing activities:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Additions
    to premises and equipment, net&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 34.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    cash used in investing activities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Cash
    flows from financing activities:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Treasury
    stock purchases&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(542&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(904&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Dividends
    paid on common stock&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,388&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,436&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    cash used in financing activities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,930&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2,340&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    increase (decrease) in cash and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(772&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;630&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Cash
    and cash equivalents at beginning of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,255&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,625&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Cash
    and cash equivalents at end of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,483&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,255&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;&lt;br/&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
  <srt:ScheduleOfCondensedBalanceSheetTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; width: 76%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Interest-bearing
    deposits in First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,282&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,168&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Interest-bearing
    deposits in First Federal of Kentucky&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;167&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,057&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other interest-bearing
    deposits&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Investment in
    First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;18,314&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;18,366&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Investment in
    Frankfort First&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;31,257&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;44,740&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Prepaid
    expenses and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;883&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;939&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;51,937&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;66,300&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;LIABILITIES AND SHAREHOLDERS&amp;#x2019;
    EQUITY&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Accounts
    payable and other liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Shareholders&amp;#x2019;
    equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;51,911&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;66,278&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    liabilities and shareholders&amp;#x2019; equity&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;51,937&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;66,300&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</srt:ScheduleOfCondensedBalanceSheetTableTextBlock>
  <kffb:InterestbearingDeposits unitRef="usd" contextRef="c424_AsOf30Jun2020_ParentCompanyMember_FirstFederalOfHazardMember" decimals="-3">1282000</kffb:InterestbearingDeposits>
  <kffb:InterestbearingDeposits unitRef="usd" contextRef="c425_AsOf30Jun2019_ParentCompanyMember_FirstFederalOfHazardMember" decimals="-3">1168000</kffb:InterestbearingDeposits>
  <kffb:InterestBearingDemandDeposits unitRef="usd" contextRef="c426_AsOf30Jun2020_ParentCompanyMember_FirstFederalOfKentuckyMember" decimals="-3">167000</kffb:InterestBearingDemandDeposits>
  <kffb:InterestBearingDemandDeposits unitRef="usd" contextRef="c427_AsOf30Jun2019_ParentCompanyMember_FirstFederalOfKentuckyMember" decimals="-3">1057000</kffb:InterestBearingDemandDeposits>
  <kffb:OtherInterestbearingDeposit unitRef="usd" contextRef="c428_AsOf30Jun2020_ParentCompanyMember" decimals="-3">34000</kffb:OtherInterestbearingDeposit>
  <kffb:OtherInterestbearingDeposit unitRef="usd" contextRef="c429_AsOf30Jun2019_ParentCompanyMember" decimals="-3">30000</kffb:OtherInterestbearingDeposit>
  <us-gaap:Investments unitRef="usd" contextRef="c424_AsOf30Jun2020_ParentCompanyMember_FirstFederalOfHazardMember" decimals="-3">18314000</us-gaap:Investments>
  <us-gaap:Investments unitRef="usd" contextRef="c425_AsOf30Jun2019_ParentCompanyMember_FirstFederalOfHazardMember" decimals="-3">18366000</us-gaap:Investments>
  <kffb:InvestmentInFrankfortFirst unitRef="usd" contextRef="c430_AsOf30Jun2020_ParentCompanyMember_FrankfortFirstMember" decimals="-3">31257000</kffb:InvestmentInFrankfortFirst>
  <kffb:InvestmentInFrankfortFirst unitRef="usd" contextRef="c431_AsOf30Jun2019_ParentCompanyMember_FrankfortFirstMember" decimals="-3">44740000</kffb:InvestmentInFrankfortFirst>
  <us-gaap:PrepaidExpenseAndOtherAssetsNoncurrent unitRef="usd" contextRef="c428_AsOf30Jun2020_ParentCompanyMember" decimals="-3">883000</us-gaap:PrepaidExpenseAndOtherAssetsNoncurrent>
  <us-gaap:PrepaidExpenseAndOtherAssetsNoncurrent unitRef="usd" contextRef="c429_AsOf30Jun2019_ParentCompanyMember" decimals="-3">939000</us-gaap:PrepaidExpenseAndOtherAssetsNoncurrent>
  <us-gaap:Assets unitRef="usd" contextRef="c428_AsOf30Jun2020_ParentCompanyMember" decimals="-3">51937000</us-gaap:Assets>
  <us-gaap:Assets unitRef="usd" contextRef="c429_AsOf30Jun2019_ParentCompanyMember" decimals="-3">66300000</us-gaap:Assets>
  <us-gaap:AccountsPayableAndOtherAccruedLiabilities unitRef="usd" contextRef="c428_AsOf30Jun2020_ParentCompanyMember" decimals="-3">26000</us-gaap:AccountsPayableAndOtherAccruedLiabilities>
  <us-gaap:AccountsPayableAndOtherAccruedLiabilities unitRef="usd" contextRef="c429_AsOf30Jun2019_ParentCompanyMember" decimals="-3">22000</us-gaap:AccountsPayableAndOtherAccruedLiabilities>
  <us-gaap:Liabilities unitRef="usd" contextRef="c428_AsOf30Jun2020_ParentCompanyMember" decimals="-3">26000</us-gaap:Liabilities>
  <us-gaap:Liabilities unitRef="usd" contextRef="c429_AsOf30Jun2019_ParentCompanyMember" decimals="-3">22000</us-gaap:Liabilities>
  <us-gaap:StockholdersEquity unitRef="usd" contextRef="c428_AsOf30Jun2020_ParentCompanyMember" decimals="-3">51911000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity unitRef="usd" contextRef="c429_AsOf30Jun2019_ParentCompanyMember" decimals="-3">66278000</us-gaap:StockholdersEquity>
  <us-gaap:LiabilitiesAndStockholdersEquity unitRef="usd" contextRef="c428_AsOf30Jun2020_ParentCompanyMember" decimals="-3">51937000</us-gaap:LiabilitiesAndStockholdersEquity>
  <us-gaap:LiabilitiesAndStockholdersEquity unitRef="usd" contextRef="c429_AsOf30Jun2019_ParentCompanyMember" decimals="-3">66300000</us-gaap:LiabilitiesAndStockholdersEquity>
  <srt:ScheduleOfCondensedIncomeStatementTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; padding-left: 9pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Interest
    income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;42&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;54&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Dividends
    from First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;607&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;740&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Equity
    in undistributed (excess distributed) earnings of First Federal of Hazard&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(47&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(224&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Dividends
    from Frankfort First&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;576&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,499&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Equity
    in undistributed (excess distributed) earnings of Frankfort First&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(13,459&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,981&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Total
    income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(12,281&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,815&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Non-interest
    expenses&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;325&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;382&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(Loss)
    earnings before income taxes&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(12,606&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;941&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Federal
    income tax expense (benefit)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(59&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(106&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    (loss) income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(12,547&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;812&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other
    comprehensive (loss) income, net of tax-related effects:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.25in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Unrealized
    holding gains (losses) on securities designated as available for sale during the year, net of taxes (benefits) of $(1) and
    $1 in 2020 and 2019, respectively&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Comprehensive
    (loss) income&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(12,549&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;816&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;/table&gt;</srt:ScheduleOfCondensedIncomeStatementTableTextBlock>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases unitRef="usd" contextRef="c432_From1Jul2019To30Jun2020_ParentCompanyMember" decimals="-3">42000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases unitRef="usd" contextRef="c433_From1Jul2018To30Jun2019_ParentCompanyMember" decimals="-3">54000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:DividendsCash unitRef="usd" contextRef="c434_From1Jul2019To30Jun2020_ParentCompanyMember_FirstFederalOfHazardMember" decimals="-3">607000</us-gaap:DividendsCash>
  <us-gaap:DividendsCash unitRef="usd" contextRef="c435_From1Jul2018To30Jun2019_ParentCompanyMember_FirstFederalOfHazardMember" decimals="-3">740000</us-gaap:DividendsCash>
  <us-gaap:UndistributedEarnings unitRef="usd" contextRef="c434_From1Jul2019To30Jun2020_ParentCompanyMember_FirstFederalOfHazardMember" decimals="-3">-47000</us-gaap:UndistributedEarnings>
  <us-gaap:UndistributedEarnings unitRef="usd" contextRef="c435_From1Jul2018To30Jun2019_ParentCompanyMember_FirstFederalOfHazardMember" decimals="-3">-224000</us-gaap:UndistributedEarnings>
  <us-gaap:DividendsCash unitRef="usd" contextRef="c436_From1Jul2019To30Jun2020_ParentCompanyMember_FirstFederalOfFrankfortMember" decimals="-3">576000</us-gaap:DividendsCash>
  <us-gaap:DividendsCash unitRef="usd" contextRef="c437_From1Jul2018To30Jun2019_ParentCompanyMember_FirstFederalOfFrankfortMember" decimals="-3">2499000</us-gaap:DividendsCash>
  <us-gaap:UndistributedEarnings unitRef="usd" contextRef="c436_From1Jul2019To30Jun2020_ParentCompanyMember_FirstFederalOfFrankfortMember" decimals="-3">-13459000</us-gaap:UndistributedEarnings>
  <us-gaap:UndistributedEarnings unitRef="usd" contextRef="c437_From1Jul2018To30Jun2019_ParentCompanyMember_FirstFederalOfFrankfortMember" decimals="-3">-1981000</us-gaap:UndistributedEarnings>
  <us-gaap:InterestAndDividendIncomeOperating unitRef="usd" contextRef="c432_From1Jul2019To30Jun2020_ParentCompanyMember" decimals="-3">-12281000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating unitRef="usd" contextRef="c433_From1Jul2018To30Jun2019_ParentCompanyMember" decimals="-3">1815000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:NoninterestExpense unitRef="usd" contextRef="c432_From1Jul2019To30Jun2020_ParentCompanyMember" decimals="-3">325000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense unitRef="usd" contextRef="c433_From1Jul2018To30Jun2019_ParentCompanyMember" decimals="-3">382000</us-gaap:NoninterestExpense>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest unitRef="usd" contextRef="c432_From1Jul2019To30Jun2020_ParentCompanyMember" decimals="-3">-12606000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest unitRef="usd" contextRef="c433_From1Jul2018To30Jun2019_ParentCompanyMember" decimals="-3">941000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
  <us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations unitRef="usd" contextRef="c432_From1Jul2019To30Jun2020_ParentCompanyMember" decimals="-3">-59000</us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations>
  <us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations unitRef="usd" contextRef="c433_From1Jul2018To30Jun2019_ParentCompanyMember" decimals="-3">-106000</us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations>
  <us-gaap:NetIncomeLoss unitRef="usd" contextRef="c432_From1Jul2019To30Jun2020_ParentCompanyMember" decimals="-3">-12547000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss unitRef="usd" contextRef="c433_From1Jul2018To30Jun2019_ParentCompanyMember" decimals="-3">812000</us-gaap:NetIncomeLoss>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax unitRef="usd" contextRef="c432_From1Jul2019To30Jun2020_ParentCompanyMember" decimals="-3">-2000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax unitRef="usd" contextRef="c433_From1Jul2018To30Jun2019_ParentCompanyMember" decimals="-3">4000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax unitRef="usd" contextRef="c432_From1Jul2019To30Jun2020_ParentCompanyMember" decimals="-3">-12549000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax unitRef="usd" contextRef="c433_From1Jul2018To30Jun2019_ParentCompanyMember" decimals="-3">816000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax unitRef="usd" contextRef="c432_From1Jul2019To30Jun2020_ParentCompanyMember" decimals="-3">-1000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax unitRef="usd" contextRef="c433_From1Jul2018To30Jun2019_ParentCompanyMember" decimals="-3">1000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax>
  <srt:ScheduleOfCondensedCashFlowStatementTableTextBlock contextRef="c0_From1Jul2019To30Jun2020">&lt;table cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; style=&quot;font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%&quot;&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2019&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Cash flows from operating activities:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td colspan=&quot;2&quot; style=&quot;font-family: Times New Roman, Times, Serif; text-align: center&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    (loss) earnings for the year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(12,547&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 9%; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;812&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; width: 1%; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Adjustments
    to reconcile net earnings to net cash provided by operating activities:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Excess
    (deficit) distributions over earnings (undistributed earnings) from consolidated subsidiaries&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;13,509&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,205&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Noncash
    compensation expense&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,588&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Increase
    (decrease) in cash due to changes in:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Prepaid
    expenses and other assets&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;68&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(206&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Other
    liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(10&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 34.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    cash provided by operating activities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;1,158&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,970&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Cash
    flows from investing activities:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Additions
    to premises and equipment, net&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 34.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    cash used in investing activities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;--&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Cash
    flows from financing activities:&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Treasury
    stock purchases&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(542&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(904&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Dividends
    paid on common stock&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,388&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,436&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    cash used in financing activities&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(1,930&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(2,340&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Net
    increase (decrease) in cash and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;(772&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;630&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)&quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style=&quot;font-family: Times New Roman, Times, Serif; vertical-align: bottom; &quot;&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;Cash
    and cash equivalents at beginning of year&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
    &lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;2,255&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;&lt;td style=&quot;font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt&quot;&gt;&lt;font style=&quot;font-family: Times New Roman, Times, Serif&quot;&gt;&amp;#xa0;&lt;/font&gt;&lt;/td&gt;
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  <xs:element name="ProvisionForLoanLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ProvisionForLoanLosses"/>
  <xs:element name="IncreaseDecreaseInCurrentFederalIncomeTaxBenefit" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit"/>
  <xs:element name="IncreaseDecreaseInDeferredFederalIncomeTaxBenefit" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit"/>
  <xs:element name="PurchaseOfFhlbStock" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_PurchaseOfFhlbStock"/>
  <xs:element name="AdditionsToRealEstateOwned" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_AdditionsToRealEstateOwned"/>
  <xs:element name="ProceedFromSaleOfTreasuryStock" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ProceedFromSaleOfTreasuryStock"/>
  <xs:element name="TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet"/>
  <xs:element name="LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure"/>
  <xs:element name="LoansHeldForSaleAndMortgageServicingRightsPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansHeldForSaleAndMortgageServicingRightsPolicyTextBlock"/>
  <xs:element name="FederalHomeLoanBankStockPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FederalHomeLoanBankStockPolicyTextBlock"/>
  <xs:element name="CashSurrenderValueOfLifeInsurancePolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CashSurrenderValueOfLifeInsurancePolicyTextBlock"/>
  <xs:element name="TreasuryStockPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_TreasuryStockPolicyTextBlock"/>
  <xs:element name="RelatedPartyTransactionsPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_RelatedPartyTransactionsPolicyTextBlock"/>
  <xs:element name="DividendRestrictionPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_DividendRestrictionPolicyTextBlock"/>
  <xs:element name="OperatingSegementPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_OperatingSegementPolicyTextBlock"/>
  <xs:element name="ReclassificationsPolicyTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ReclassificationsPolicyTextBlock"/>
  <xs:element name="ScheduleOfRetirementAndEmployeeBenefitPlansTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ScheduleOfRetirementAndEmployeeBenefitPlansTableTextBlock"/>
  <xs:element name="ScheduleOfLoansOutstandingTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ScheduleOfLoansOutstandingTableTextBlock"/>
  <xs:element name="InvestmentsSecuritiesTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_InvestmentsSecuritiesTableTextBlock"/>
  <xs:element name="ScheduleOfClassificationOfLoansReceivableTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock"/>
  <xs:element name="ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock"/>
  <xs:element name="CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock"/>
  <xs:element name="CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock"/>
  <xs:element name="ScheduleOfDepositLiabilitiesDisclosuresTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ScheduleOfDepositLiabilitiesDisclosuresTableTextBlock"/>
  <xs:element name="ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock"/>
  <xs:element name="UnusedCommitmentsTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnusedCommitmentsTableTextBlock"/>
  <xs:element name="RegulatoryCapitalTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_RegulatoryCapitalTableTextBlock"/>
  <xs:element name="SharesCommittedToBeReleased" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_SharesCommittedToBeReleased"/>
  <xs:element name="UnearnedESOPShares1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnearnedESOPShares1"/>
  <xs:element name="ResidentialRealEstateFamilyDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ResidentialRealEstateFamilyDomain"/>
  <xs:element name="AvailableForSalesSecuritiesFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_AvailableForSalesSecuritiesFairValue"/>
  <xs:element name="ValuationTechniques" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ValuationTechniques"/>
  <xs:element name="FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription"/>
  <xs:element name="FairValueAssumptionsWeightedAverageVolatilityRateDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FairValueAssumptionsWeightedAverageVolatilityRateDescription"/>
  <xs:element name="TypeOfFairValueByFairValueHierarchyLevelDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_TypeOfFairValueByFairValueHierarchyLevelDomain"/>
  <xs:element name="TimeDepositsAtCarryingValues" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_TimeDepositsAtCarryingValues"/>
  <xs:element name="HeldtomaturitySecurities1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_HeldtomaturitySecurities1"/>
  <xs:element name="LoansHeldForSaleCarryingValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansHeldForSaleCarryingValue"/>
  <xs:element name="Deposit" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_Deposit"/>
  <xs:element name="OutstandingPrincipalAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_OutstandingPrincipalAmount"/>
  <xs:element name="ChangesInCompositionOfRelatedParties" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ChangesInCompositionOfRelatedParties"/>
  <xs:element name="PrincipalDisbursed" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_PrincipalDisbursed"/>
  <xs:element name="PrincipalRepaidAndRefinanced" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_PrincipalRepaidAndRefinanced"/>
  <xs:element name="SecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_SecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesTable"/>
  <xs:element name="SecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_SecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesLineItems"/>
  <xs:element name="LoansAndLeasesReceivableOneToFourFamily" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAndLeasesReceivableOneToFourFamily"/>
  <xs:element name="LoansAndLeasesReceivableMultifamily" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAndLeasesReceivableMultifamily"/>
  <xs:element name="LoansAndLeasesReceivableConsumersConstruction" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAndLeasesReceivableConsumersConstruction"/>
  <xs:element name="LoansReceivableCommercialLand" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansReceivableCommercialLand"/>
  <xs:element name="LoansReceivableCommercialAgriculturals" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansReceivableCommercialAgriculturals"/>
  <xs:element name="LoansReceivableCommercialRealEstates" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansReceivableCommercialRealEstates"/>
  <xs:element name="LoansReceivableCommercialNonMortgage" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansReceivableCommercialNonMortgage"/>
  <xs:element name="LoansAndLeasesReceivableLoansOnDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAndLeasesReceivableLoansOnDeposits"/>
  <xs:element name="LoansAndLeasesReceivablesConsumerHomeEquity" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAndLeasesReceivablesConsumerHomeEquity"/>
  <xs:element name="LoansAndLeasesReceivableAutomobile" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAndLeasesReceivableAutomobile"/>
  <xs:element name="LoansAndLeasesReceivableUnsecured" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAndLeasesReceivableUnsecured"/>
  <xs:element name="LoansAndLeasesReceivableAllowances" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAndLeasesReceivableAllowances"/>
  <xs:element name="FinancingReceivableAllowanceForCreditLossesDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FinancingReceivableAllowanceForCreditLossesDomain"/>
  <xs:element name="LoansIndividuallyEvaluated" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansIndividuallyEvaluated"/>
  <xs:element name="LoansAcquiredWithDeterioratedCreditQuality" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAcquiredWithDeterioratedCreditQuality"/>
  <xs:element name="EndingLoansBalance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_EndingLoansBalance"/>
  <xs:element name="EndingAllowanceAttributedToLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_EndingAllowanceAttributedToLoans"/>
  <xs:element name="UnallocatedAllowance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnallocatedAllowance"/>
  <xs:element name="FinancingReceivableTotalAllowanceEvaluatedForImpairment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment"/>
  <xs:element name="UnpaidPrincipalBalanceAndRecordedInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnpaidPrincipalBalanceAndRecordedInvestment"/>
  <xs:element name="ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1"/>
  <xs:element name="LoansAndLeaseReceivableGrossCarryingAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAndLeaseReceivableGrossCarryingAmount"/>
  <xs:element name="LoansDetailsScheduleofpurchasedcreditimpairedloansTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_LoansDetailsScheduleofpurchasedcreditimpairedloansTable"/>
  <xs:element name="LoansDetailsScheduleofpurchasedcreditimpairedloansLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansDetailsScheduleofpurchasedcreditimpairedloansLineItems"/>
  <xs:element name="DepositsExcludingTimeDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DepositsExcludingTimeDeposits"/>
  <xs:element name="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate"/>
  <xs:element name="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate"/>
  <xs:element name="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate"/>
  <xs:element name="CashSurrenderValueOfLifeInsurances" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_CashSurrenderValueOfLifeInsurances"/>
  <xs:element name="IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1"/>
  <xs:element name="GoodwillImpairmentsLoss" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_GoodwillImpairmentsLoss"/>
  <xs:element name="DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition"/>
  <xs:element name="DeferredTaxAssetsNonaccuredInterestOnLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DeferredTaxAssetsNonaccuredInterestOnLoans"/>
  <xs:element name="DeferredTaxAssetsOtherRealEstateOwnedAdjustments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments"/>
  <xs:element name="DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends"/>
  <xs:element name="DeferredTaxLiabilitiesDeferredLoanOriginationCosts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DeferredTaxLiabilitiesDeferredLoanOriginationCosts"/>
  <xs:element name="DeferredTaxLiabilitiesAccrualToCashAdjustment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment"/>
  <xs:element name="FairValueAccountingAdjustmentOnAcquisition" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FairValueAccountingAdjustmentOnAcquisition"/>
  <xs:element name="UnusedCommitmentsDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnusedCommitmentsDomain"/>
  <xs:element name="CommitmentDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CommitmentDomain"/>
  <xs:element name="LoanCommitmentsDetailsScheduleofoutstandingloancommitmentsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_LoanCommitmentsDetailsScheduleofoutstandingloancommitmentsTable"/>
  <xs:element name="LoanCommitmentsDetailsScheduleofoutstandingloancommitmentsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoanCommitmentsDetailsScheduleofoutstandingloancommitmentsLineItems"/>
  <xs:element name="StockholdersEquityandRegulatoryCapitalDetailsScheduleofregulatorycapitalsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_StockholdersEquityandRegulatoryCapitalDetailsScheduleofregulatorycapitalsTable"/>
  <xs:element name="StockholdersEquityandRegulatoryCapitalDetailsScheduleofregulatorycapitalsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_StockholdersEquityandRegulatoryCapitalDetailsScheduleofregulatorycapitalsLineItems"/>
  <xs:element name="TierOneCommonEquityCapital" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_TierOneCommonEquityCapital"/>
  <xs:element name="TierOneCommonEquityCapitalToAverageAssetsRatio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_TierOneCommonEquityCapitalToAverageAssetsRatio"/>
  <xs:element name="TierOneCommonEquityRequiredForCapitalAdequacy" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_TierOneCommonEquityRequiredForCapitalAdequacy"/>
  <xs:element name="MinimumRequirementForCapitalAdequacyPurposesRatio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_MinimumRequirementForCapitalAdequacyPurposesRatio"/>
  <xs:element name="TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio"/>
  <xs:element name="RiskBasedCommonEquityRequiredToBeWellCapitalized" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_RiskBasedCommonEquityRequiredToBeWellCapitalized"/>
  <xs:element name="RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio"/>
  <xs:element name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets"/>
  <xs:element name="TierOneRiskBaseCapital" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_TierOneRiskBaseCapital"/>
  <xs:element name="RiskBasedCapitalToRiskWeightedAssets" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_RiskBasedCapitalToRiskWeightedAssets"/>
  <xs:element name="RiskBasedCapitalRequiredForCapitalAdequacy" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_RiskBasedCapitalRequiredForCapitalAdequacy"/>
  <xs:element name="TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio"/>
  <xs:element name="RiskBasedCapitalRequiredToBeWellCapitalized" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_RiskBasedCapitalRequiredToBeWellCapitalized"/>
  <xs:element name="TotalCapitalRatioMinimumRequirementToBeWellCapitalizedUnderPromptCorrectiveActio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_TotalCapitalRatioMinimumRequirementToBeWellCapitalizedUnderPromptCorrectiveActio"/>
  <xs:element name="InterestbearingDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_InterestbearingDeposits"/>
  <xs:element name="OtherInterestbearingDeposit" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_OtherInterestbearingDeposit"/>
  <xs:element name="InvestmentInFrankfortFirst" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_InvestmentInFrankfortFirst"/>
  <xs:element name="AdjustmentsRelatedToSubsidiaries" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_AdjustmentsRelatedToSubsidiaries"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_SummaryofSignificantAccountingPoliciesDetailsTable"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_SummaryofSignificantAccountingPoliciesDetailsLineItems"/>
  <xs:element name="ServicingMortgageLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ServicingMortgageLoans"/>
  <xs:element name="ServicingFee" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ServicingFee"/>
  <xs:element name="DescriptionOfMortageLoans" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_DescriptionOfMortageLoans"/>
  <xs:element name="NonresidentialLoanPercentage" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_NonresidentialLoanPercentage"/>
  <xs:element name="DescriptionOfConsumerLeading" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_DescriptionOfConsumerLeading"/>
  <xs:element name="EmployeeStockOwnershipPlanESOPCompensationExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses"/>
  <xs:element name="RealEstateOwnershipAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_RealEstateOwnershipAmount"/>
  <xs:element name="GoodwillAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_GoodwillAmount"/>
  <xs:element name="SalesOfStockPricePerShare" type="num:perShareItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_SalesOfStockPricePerShare"/>
  <xs:element name="GoodwillPercentage" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_GoodwillPercentage"/>
  <xs:element name="FairValueCostMethodInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FairValueCostMethodInvestments"/>
  <xs:element name="FairValueMaturityPeriod" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FairValueMaturityPeriod"/>
  <xs:element name="LoansDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_LoansDetailsTable"/>
  <xs:element name="LoansDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansDetailsLineItems"/>
  <xs:element name="LoansReceivableDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansReceivableDescription"/>
  <xs:element name="TroubledDebtDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_TroubledDebtDescription"/>
  <xs:element name="PercentageOfBankruptcyProceedingsToBorrower" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PercentageOfBankruptcyProceedingsToBorrower"/>
  <xs:element name="GoodwillImpairmentLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_GoodwillImpairmentLosses"/>
  <xs:element name="BankDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_BankDeposits"/>
  <xs:element name="TimeDeposits250000OrMore" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_TimeDeposits250000OrMore"/>
  <xs:element name="AdvancesfromtheFederalHomeLoanBankDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_AdvancesfromtheFederalHomeLoanBankDetailsTable"/>
  <xs:element name="AdvancesfromtheFederalHomeLoanBankDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems"/>
  <xs:element name="AdvancesFromTheFederalHomeLoanBank" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_AdvancesFromTheFederalHomeLoanBank"/>
  <xs:element name="FederalIncomeTaxesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_FederalIncomeTaxesDetailsTable"/>
  <xs:element name="FederalIncomeTaxesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FederalIncomeTaxesDetailsLineItems"/>
  <xs:element name="IncomeTaxExpensesBenefit" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_IncomeTaxExpensesBenefit"/>
  <xs:element name="RetainedEarningsNotRecognizedFederalIncomeTaxes" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes"/>
  <xs:element name="LoanCommitmentsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_LoanCommitmentsDetailsTable"/>
  <xs:element name="LoanCommitmentsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoanCommitmentsDetailsLineItems"/>
  <xs:element name="MortgageLoansOnRealEstateMaturityTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_MortgageLoansOnRealEstateMaturityTerm"/>
  <xs:element name="CapitalRulesDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CapitalRulesDomain"/>
  <xs:element name="StockholdersEquityandRegulatoryCapitalDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_StockholdersEquityandRegulatoryCapitalDetailsTable"/>
  <xs:element name="StockholdersEquityandRegulatoryCapitalDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_StockholdersEquityandRegulatoryCapitalDetailsLineItems"/>
  <xs:element name="QualifiedThriftLenderTestDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_QualifiedThriftLenderTestDescription"/>
  <xs:element name="AverageTotalConsolidatedAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_AverageTotalConsolidatedAssets"/>
  <xs:element name="LeverageRatio" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_LeverageRatio"/>
  <xs:element name="DividendsWaived" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DividendsWaived"/>
  <xs:element name="CapitalRulesAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="kffb_CapitalRulesAxis"/>
  <xs:element name="CommitmentAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="kffb_CommitmentAxis"/>
  <xs:element name="FinancingReceivableAllowanceForCreditLossesAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="kffb_FinancingReceivableAllowanceForCreditLossesAxis"/>
  <xs:element name="ResidentialRealEstateFamilyAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="kffb_ResidentialRealEstateFamilyAxis"/>
  <xs:element name="TypeOfFairValueByFairValueHierarchyLevelAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="kffb_TypeOfFairValueByFairValueHierarchyLevelAxis"/>
  <xs:element name="UnusedCommitmentsAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="kffb_UnusedCommitmentsAxis"/>
  <xs:element name="AgencyBondsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_AgencyBondsMember"/>
  <xs:element name="AgencyMortgagebackedResidentialMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_AgencyMortgagebackedResidentialMember"/>
  <xs:element name="CapitalRatioMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CapitalRatioMember"/>
  <xs:element name="CarryingValueMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CarryingValueMember"/>
  <xs:element name="CommercialAndIndustrialPortfolioMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CommercialAndIndustrialPortfolioMember"/>
  <xs:element name="CommercialNonmortgageMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CommercialNonmortgageMember"/>
  <xs:element name="CommercialsNonMortgageMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CommercialsNonMortgageMember"/>
  <xs:element name="CommonEquityTierOneCapitalRatioMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CommonEquityTierOneCapitalRatioMember"/>
  <xs:element name="CommunityBankLeverageRatioMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CommunityBankLeverageRatioMember"/>
  <xs:element name="ConsumerAndOtherLoanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ConsumerAndOtherLoanMember"/>
  <xs:element name="FarmMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FarmMember"/>
  <xs:element name="FinancingReceivables30To89DaysPastDueMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FinancingReceivables30To89DaysPastDueMember"/>
  <xs:element name="FirstFederalOfFrankfortMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FirstFederalOfFrankfortMember"/>
  <xs:element name="FirstFederalOfHazardMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FirstFederalOfHazardMember"/>
  <xs:element name="FirstFederalOfKentuckyMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FirstFederalOfKentuckyMember"/>
  <xs:element name="FirstFederalSavingsAndLoanAssociationOfHazardMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FirstFederalSavingsAndLoanAssociationOfHazardMember"/>
  <xs:element name="FirstFederalSavingsBankOfKentuckyMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FirstFederalSavingsBankOfKentuckyMember"/>
  <xs:element name="FixedMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FixedMember"/>
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  <xs:element name="KentuckyFirstFederalMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_KentuckyFirstFederalMember"/>
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  <xs:element name="LoansCollectivelyEvaluatedForImpairmentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansCollectivelyEvaluatedForImpairmentMember"/>
  <xs:element name="LoansIndividuallyEvaluatedForImpairmentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansIndividuallyEvaluatedForImpairmentMember"/>
  <xs:element name="LoansOnDepositsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansOnDepositsMember"/>
  <xs:element name="LoansOneMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansOneMember"/>
  <xs:element name="LoansOneToFourFamilyMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansOneToFourFamilyMember"/>
  <xs:element name="MortgageServicingRightsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_MortgageServicingRightsMember"/>
  <xs:element name="NewCapitalRulesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_NewCapitalRulesMember"/>
  <xs:element name="NonResidentialRealEstateMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_NonResidentialRealEstateMember"/>
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  <xs:element name="NonresidentialRealEstateMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_NonresidentialRealEstateMember"/>
  <xs:element name="OnetoFourfamilyResidentialRealEstateMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_OnetoFourfamilyResidentialRealEstateMember"/>
  <xs:element name="OtherUnusedCommitmentsCommercialAndIndustrialLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_OtherUnusedCommitmentsCommercialAndIndustrialLoansMember"/>
  <xs:element name="OtherUnusedCommitmentsLettersOfCreditMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_OtherUnusedCommitmentsLettersOfCreditMember"/>
  <xs:element name="OtherUnusedCommitmentsOtherMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_OtherUnusedCommitmentsOtherMember"/>
  <xs:element name="RepossessedAssetsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_RepossessedAssetsMember"/>
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  <xs:element name="ResidentialRealEstateMultiFamilyMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ResidentialRealEstateMultiFamilyMember"/>
  <xs:element name="ResidentialRealEstateOneToFourFamilyMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ResidentialRealEstateOneToFourFamilyMember"/>
  <xs:element name="RiskBasedCapitalMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_RiskBasedCapitalMember"/>
  <xs:element name="TierOneCoreCapitalRatioMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_TierOneCoreCapitalRatioMember"/>
  <xs:element name="TierOneLeverageCapitalToAverageAssetsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_TierOneLeverageCapitalToAverageAssetsMember"/>
  <xs:element name="TotalMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_TotalMember"/>
  <xs:element name="TroubledDebtRestructuringMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_TroubledDebtRestructuringMember"/>
  <xs:element name="UnallocatedLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnallocatedLoansMember"/>
  <xs:element name="UnearnedEmployeeStockOwnershipPlanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnearnedEmployeeStockOwnershipPlanMember"/>
  <xs:element name="UnsecuredLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnsecuredLoansMember"/>
  <xs:element name="UnusedCommitmentUnusedCommitmentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnusedCommitmentUnusedCommitmentMember"/>
  <xs:element name="UnusedCommitmentsRevolvingOpenendLinesSecuredByRealEstateMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnusedCommitmentsRevolvingOpenendLinesSecuredByRealEstateMember"/>
  <xs:element name="VariableMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_VariableMember"/>
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_DocumentAndEntityInformationAbstract"/>
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>12
<FILENAME>kffb-20200630_cal.xml
<DESCRIPTION>XBRL CALCULATION FILE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->
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<!-- Created: Fri Sep 25 15:19:47 EDT 2020 -->
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Total assets</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Assets_lbl0" xml:lang="en-US">Total assets</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Total liabilities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Liabilities_lbl0" xml:lang="en-US">Total liabilities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Total liabilities and shareholders&#8217; equity</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_IncomeStatementAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeStatementAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeStatementAbstract_lbl" xml:lang="en-US">Income Statement [Abstract]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl" xml:lang="en-US">Total interest income</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Total interest expense</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_NonoperatingIncomeExpense" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NonoperatingIncomeExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NonoperatingIncomeExpense_lbl" xml:lang="en-US">Net interest income</label>
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    <loc xlink:type="locator" xlink:label="kffb_GainsOnSalesOfProperty" xlink:href="kffb-20200630.xsd#kffb_GainsOnSalesOfProperty"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_GainsOnSalesOfProperty_lbl" xml:lang="en-US">Net gains on sales of property</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestIncome_lbl" xml:lang="en-US">Total non-interest income</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestExpense_lbl" xml:lang="en-US">Total non-interest expense</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_IncomeTaxExpenseBenefit" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Total federal income tax expense</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_ProfitLoss" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProfitLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProfitLoss_lbl" xml:lang="en-US">NET (LOSS) INCOME</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProfitLoss_lbl0" xml:lang="en-US">Net (loss) income allocated to common shareholders, basic and diluted</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_lbl" xml:lang="en-US">Statement of Comprehensive Income [Abstract]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax_lbl" xml:lang="en-US">Comprehensive (loss) income</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax_lbl0" xml:lang="en-US">Comprehensive (loss) income</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementOfStockholdersEquityAbstract_lbl" xml:lang="en-US">Statement of Stockholders&apos; Equity [Abstract]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl0" xml:lang="en-US">Net cash used in investing activities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net cash provided by financing activities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_lbl" xml:lang="en-US">Net increase (decrease) in cash and cash equivalents</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:to="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AccountingPoliciesAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountingPoliciesAbstract_lbl" xml:lang="en-US">Accounting Policies [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountingPoliciesAbstract" xlink:to="us-gaap_AccountingPoliciesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfRetirementAndEmployeeBenefitPlansAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfRetirementAndEmployeeBenefitPlansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfRetirementAndEmployeeBenefitPlansAbstract_lbl" xml:lang="en-US">Schedule of retirement and employee benefit plans [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfRetirementAndEmployeeBenefitPlansAbstract" xlink:to="kffb_ScheduleOfRetirementAndEmployeeBenefitPlansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfEarningsPerShareAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfEarningsPerShareAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfEarningsPerShareAbstract_lbl" xml:lang="en-US">Schedule of earnings per share [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfEarningsPerShareAbstract" xlink:to="kffb_ScheduleOfEarningsPerShareAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfFairValueMeasurementsOfAssetsAndLiabilitiesMeasuredAtFairValueOnARecurringBasisAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfFairValueMeasurementsOfAssetsAndLiabilitiesMeasuredAtFairValueOnARecurringBasisAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfFairValueMeasurementsOfAssetsAndLiabilitiesMeasuredAtFairValueOnARecurringBasisAbstract_lbl" xml:lang="en-US">Schedule of fair value measurements of assets and liabilities measured at fair value on a recurring basis [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfFairValueMeasurementsOfAssetsAndLiabilitiesMeasuredAtFairValueOnARecurringBasisAbstract" xlink:to="kffb_ScheduleOfFairValueMeasurementsOfAssetsAndLiabilitiesMeasuredAtFairValueOnARecurringBasisAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancialInstrumentAxis" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancialInstrumentAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancialInstrumentAxis_lbl" xml:lang="en-US">Financial Instrument [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancialInstrumentAxis" xlink:to="us-gaap_FinancialInstrumentAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByFairValueHierarchyLevelAxis_lbl" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="us-gaap_FairValueByFairValueHierarchyLevelAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfAssetsMeasuredAtFairValueOnANonRecurringBasisAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfAssetsMeasuredAtFairValueOnANonRecurringBasisAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfAssetsMeasuredAtFairValueOnANonRecurringBasisAbstract_lbl" xml:lang="en-US">Schedule of assets measured at fair value on a non-recurring basis [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfAssetsMeasuredAtFairValueOnANonRecurringBasisAbstract" xlink:to="kffb_ScheduleOfAssetsMeasuredAtFairValueOnANonRecurringBasisAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateFamilyAxis" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateFamilyAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateFamilyAxis_lbl" xml:lang="en-US">Residential Real Estate Family [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateFamilyAxis" xlink:to="kffb_ResidentialRealEstateFamilyAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InvestmentTypeAxis" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentTypeAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentTypeAxis_lbl" xml:lang="en-US">Investment Type [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentTypeAxis" xlink:to="us-gaap_InvestmentTypeAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfFairValueMeasurementsForFinancialInstrumentsAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfFairValueMeasurementsForFinancialInstrumentsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfFairValueMeasurementsForFinancialInstrumentsAbstract_lbl" xml:lang="en-US">Schedule of fair value measurements for financial instruments [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfFairValueMeasurementsForFinancialInstrumentsAbstract" xlink:to="kffb_ScheduleOfFairValueMeasurementsForFinancialInstrumentsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfFinancialInstrumentsAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfFinancialInstrumentsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfFinancialInstrumentsAbstract_lbl" xml:lang="en-US">Schedule of financial instruments [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfFinancialInstrumentsAbstract" xlink:to="kffb_ScheduleOfFinancialInstrumentsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TypeOfFairValueByFairValueHierarchyLevelAxis" xlink:href="kffb-20200630.xsd#kffb_TypeOfFairValueByFairValueHierarchyLevelAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TypeOfFairValueByFairValueHierarchyLevelAxis_lbl" xml:lang="en-US">Type Of Fair Value, Hierarchy [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TypeOfFairValueByFairValueHierarchyLevelAxis" xlink:to="kffb_TypeOfFairValueByFairValueHierarchyLevelAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfLoansOutstandingAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfLoansOutstandingAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfLoansOutstandingAbstract_lbl" xml:lang="en-US">Schedule of loans outstanding [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfLoansOutstandingAbstract" xlink:to="kffb_ScheduleOfLoansOutstandingAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OutstandingPrincipalAmount" xlink:href="kffb-20200630.xsd#kffb_OutstandingPrincipalAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="kffb_OutstandingPrincipalAmount_lbl" xml:lang="en-US">Outstanding principal, beginning of year</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OutstandingPrincipalAmount" xlink:to="kffb_OutstandingPrincipalAmount_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="kffb_OutstandingPrincipalAmount_lbl0" xml:lang="en-US">Outstanding principal, end of year</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OutstandingPrincipalAmount" xlink:to="kffb_OutstandingPrincipalAmount_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_lbl" xml:lang="en-US">Investments, Debt and Equity Securities [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:to="us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfGrossUnrealizedOrUnrecognizedGainsAndLossesAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfGrossUnrealizedOrUnrecognizedGainsAndLossesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfGrossUnrealizedOrUnrecognizedGainsAndLossesAbstract_lbl" xml:lang="en-US">Schedule of gross unrealized or unrecognized gains and losses [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfGrossUnrealizedOrUnrecognizedGainsAndLossesAbstract" xlink:to="kffb_ScheduleOfGrossUnrealizedOrUnrecognizedGainsAndLossesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CashAndCashEquivalentsAxis" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashAndCashEquivalentsAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsAxis_lbl" xml:lang="en-US">Cash and Cash Equivalents [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsAxis" xlink:to="us-gaap_CashAndCashEquivalentsAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ReceivablesAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReceivablesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ReceivablesAbstract_lbl" xml:lang="en-US">Receivables [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReceivablesAbstract" xlink:to="us-gaap_ReceivablesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfLoanPortfolioAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfLoanPortfolioAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfLoanPortfolioAbstract_lbl" xml:lang="en-US">Schedule of loan portfolio [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfLoanPortfolioAbstract" xlink:to="kffb_ScheduleOfLoanPortfolioAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfAllowanceForLoanLossesAndTheRecordedInvestmentInLoansByPortfolioAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfAllowanceForLoanLossesAndTheRecordedInvestmentInLoansByPortfolioAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfAllowanceForLoanLossesAndTheRecordedInvestmentInLoansByPortfolioAbstract_lbl" xml:lang="en-US">Schedule of allowance for loan losses and the recorded investment in loans by portfolio [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfAllowanceForLoanLossesAndTheRecordedInvestmentInLoansByPortfolioAbstract" xlink:to="kffb_ScheduleOfAllowanceForLoanLossesAndTheRecordedInvestmentInLoansByPortfolioAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancingReceivableAllowanceForCreditLossesAxis" xlink:href="kffb-20200630.xsd#kffb_FinancingReceivableAllowanceForCreditLossesAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancingReceivableAllowanceForCreditLossesAxis_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivableAllowanceForCreditLossesAxis" xlink:to="kffb_FinancingReceivableAllowanceForCreditLossesAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfImpairedLoansByClassOfLoansAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfImpairedLoansByClassOfLoansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfImpairedLoansByClassOfLoansAbstract_lbl" xml:lang="en-US">Schedule of impaired loans by class of loans [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfImpairedLoansByClassOfLoansAbstract" xlink:to="kffb_ScheduleOfImpairedLoansByClassOfLoansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfRecordedInvestmentInNonaccrualAndLoansAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfRecordedInvestmentInNonaccrualAndLoansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfRecordedInvestmentInNonaccrualAndLoansAbstract_lbl" xml:lang="en-US">Schedule of recorded investment in nonaccrual and loans [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfRecordedInvestmentInNonaccrualAndLoansAbstract" xlink:to="kffb_ScheduleOfRecordedInvestmentInNonaccrualAndLoansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfPrincipalBalanceOutstandingInPastDueLoansAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfPrincipalBalanceOutstandingInPastDueLoansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfPrincipalBalanceOutstandingInPastDueLoansAbstract_lbl" xml:lang="en-US">Schedule of principal balance outstanding in past due loans [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfPrincipalBalanceOutstandingInPastDueLoansAbstract" xlink:to="kffb_ScheduleOfPrincipalBalanceOutstandingInPastDueLoansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_lbl" xml:lang="en-US">Real Estate, Type of Property [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:to="srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentByTypeAxis_lbl" xml:lang="en-US">Long-Lived Tangible Asset [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="us-gaap_PropertyPlantAndEquipmentByTypeAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivablesPeriodPastDueAxis_lbl" xml:lang="en-US">Financial Asset, Period Past Due [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:to="us-gaap_FinancingReceivablesPeriodPastDueAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfAnalysisPerformedTheRiskCategoryOfLoansByClassOfLoansAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfAnalysisPerformedTheRiskCategoryOfLoansByClassOfLoansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfAnalysisPerformedTheRiskCategoryOfLoansByClassOfLoansAbstract_lbl" xml:lang="en-US">Schedule of analysis performed, the risk category of loans by class of loans [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfAnalysisPerformedTheRiskCategoryOfLoansByClassOfLoansAbstract" xlink:to="kffb_ScheduleOfAnalysisPerformedTheRiskCategoryOfLoansByClassOfLoansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InternalCreditAssessmentAxis" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InternalCreditAssessmentAxis_lbl" xml:lang="en-US">Internal Credit Assessment [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InternalCreditAssessmentAxis" xlink:to="us-gaap_InternalCreditAssessmentAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfAllowanceForLoanLossesByPortfolioSegmentAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfAllowanceForLoanLossesByPortfolioSegmentAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfAllowanceForLoanLossesByPortfolioSegmentAbstract_lbl" xml:lang="en-US">Schedule of allowance for loan losses by portfolio segment [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfAllowanceForLoanLossesByPortfolioSegmentAbstract" xlink:to="kffb_ScheduleOfAllowanceForLoanLossesByPortfolioSegmentAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableAllowances" xlink:href="kffb-20200630.xsd#kffb_LoansAndLeasesReceivableAllowances"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="kffb_LoansAndLeasesReceivableAllowances_lbl" xml:lang="en-US">Beginning balance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableAllowances" xlink:to="kffb_LoansAndLeasesReceivableAllowances_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="kffb_LoansAndLeasesReceivableAllowances_lbl0" xml:lang="en-US">Ending balance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableAllowances" xlink:to="kffb_LoansAndLeasesReceivableAllowances_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_LoansAndLeasesReceivableAllowances_lbl1" xml:lang="en-US">Allowance for loan losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableAllowances" xlink:to="kffb_LoansAndLeasesReceivableAllowances_lbl1"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfPurchasedCreditImpairedLoansAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfPurchasedCreditImpairedLoansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfPurchasedCreditImpairedLoansAbstract_lbl" xml:lang="en-US">Schedule of purchased credit impaired loans [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfPurchasedCreditImpairedLoansAbstract" xlink:to="kffb_ScheduleOfPurchasedCreditImpairedLoansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract_lbl" xml:lang="en-US">Schedule of accretable yield, or income expected to be collected [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract" xlink:to="kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield_lbl" xml:lang="en-US">Balance at beginning of period</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield" xlink:to="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield_lbl0" xml:lang="en-US">Balance at end of period</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield" xlink:to="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DebtDisclosureAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtDisclosureAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtDisclosureAbstract_lbl" xml:lang="en-US">Debt Disclosure [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtDisclosureAbstract" xlink:to="us-gaap_DebtDisclosureAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfActivityInRealEstateOwnedAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfActivityInRealEstateOwnedAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfActivityInRealEstateOwnedAbstract_lbl" xml:lang="en-US">Schedule of activity in real estate owned [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfActivityInRealEstateOwnedAbstract" xlink:to="kffb_ScheduleOfActivityInRealEstateOwnedAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherRealEstate" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherRealEstate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_OtherRealEstate_lbl" xml:lang="en-US">Balance at beginning of year</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstate" xlink:to="us-gaap_OtherRealEstate_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_OtherRealEstate_lbl0" xml:lang="en-US">Balance at end of year</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstate" xlink:to="us-gaap_OtherRealEstate_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherRealEstate_lbl1" xml:lang="en-US">Other real estate owned, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstate" xlink:to="us-gaap_OtherRealEstate_lbl1"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PropertyPlantAndEquipmentAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentAbstract_lbl" xml:lang="en-US">Property, Plant and Equipment [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentAbstract" xlink:to="us-gaap_PropertyPlantAndEquipmentAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfPremisesAndEquipmentAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfPremisesAndEquipmentAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfPremisesAndEquipmentAbstract_lbl" xml:lang="en-US">Schedule of premises and equipment [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfPremisesAndEquipmentAbstract" xlink:to="kffb_ScheduleOfPremisesAndEquipmentAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PropertyPlantAndEquipmentGross" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentGross_lbl" xml:lang="en-US">Premises and equipment, gross</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="us-gaap_PropertyPlantAndEquipmentGross_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PropertyPlantAndEquipmentNet" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Balance at end of year</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl0" xml:lang="en-US">Premises and equipment, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_lbl" xml:lang="en-US">Goodwill and Intangible Assets Disclosure [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:to="us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DisclosureTextBlockAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DisclosureTextBlockAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DisclosureTextBlockAbstract_lbl" xml:lang="en-US">Disclosure Text Block [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DisclosureTextBlockAbstract" xlink:to="us-gaap_DisclosureTextBlockAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfDepositsAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfDepositsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfDepositsAbstract_lbl" xml:lang="en-US">Schedule of deposits [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfDepositsAbstract" xlink:to="kffb_ScheduleOfDepositsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DepositsExcludingTimeDeposits" xlink:href="kffb-20200630.xsd#kffb_DepositsExcludingTimeDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="kffb_DepositsExcludingTimeDeposits_lbl" xml:lang="en-US">Total demand, transaction and passbook deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DepositsExcludingTimeDeposits" xlink:to="kffb_DepositsExcludingTimeDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_Deposits" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Deposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Deposits_lbl" xml:lang="en-US">Total deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Deposits" xlink:to="us-gaap_Deposits_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Deposits_lbl0" xml:lang="en-US">Deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Deposits" xlink:to="us-gaap_Deposits_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfMaturitiesOfOutstandingCertificatesOfDepositAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfMaturitiesOfOutstandingCertificatesOfDepositAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfMaturitiesOfOutstandingCertificatesOfDepositAbstract_lbl" xml:lang="en-US">Schedule of maturities of outstanding certificates of deposit [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfMaturitiesOfOutstandingCertificatesOfDepositAbstract" xlink:to="kffb_ScheduleOfMaturitiesOfOutstandingCertificatesOfDepositAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TimeDeposits" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TimeDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_TimeDeposits_lbl" xml:lang="en-US">Total certificates of deposit</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits" xlink:to="us-gaap_TimeDeposits_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDeposits_lbl0" xml:lang="en-US">Certificates of deposit</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits" xlink:to="us-gaap_TimeDeposits_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBanksAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBanksAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBanksAbstract_lbl" xml:lang="en-US">Federal Home Loan Banks [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBanksAbstract" xlink:to="us-gaap_FederalHomeLoanBanksAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfAdvancesFromTheFederalHomeLoanBankAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfAdvancesFromTheFederalHomeLoanBankAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfAdvancesFromTheFederalHomeLoanBankAbstract_lbl" xml:lang="en-US">Schedule of advances from the federal home loan bank [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfAdvancesFromTheFederalHomeLoanBankAbstract" xlink:to="kffb_ScheduleOfAdvancesFromTheFederalHomeLoanBankAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanks_lbl" xml:lang="en-US">Advances from the Federal Home Loan Bank</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:to="us-gaap_AdvancesFromFederalHomeLoanBanks_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncomeTaxDisclosureAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxDisclosureAbstract_lbl" xml:lang="en-US">Income Tax Disclosure [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxDisclosureAbstract" xlink:to="us-gaap_IncomeTaxDisclosureAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfFederalIncomeTaxesOnEarningsDiffersFromThatComputedAtTheStatutoryCorporateTaxRateAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfFederalIncomeTaxesOnEarningsDiffersFromThatComputedAtTheStatutoryCorporateTaxRateAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfFederalIncomeTaxesOnEarningsDiffersFromThatComputedAtTheStatutoryCorporateTaxRateAbstract_lbl" xml:lang="en-US">Schedule of federal income taxes on earnings differs from that computed at the statutory corporate tax rate [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfFederalIncomeTaxesOnEarningsDiffersFromThatComputedAtTheStatutoryCorporateTaxRateAbstract" xlink:to="kffb_ScheduleOfFederalIncomeTaxesOnEarningsDiffersFromThatComputedAtTheStatutoryCorporateTaxRateAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations_lbl" xml:lang="en-US">Total federal income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations" xlink:to="us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations_lbl0" xml:lang="en-US">Federal income tax expense (benefit)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations" xlink:to="us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfCompositionOfTheCompanysNetDeferredTaxLiabilityAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfCompositionOfTheCompanysNetDeferredTaxLiabilityAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfCompositionOfTheCompanysNetDeferredTaxLiabilityAbstract_lbl" xml:lang="en-US">Schedule of composition of the company&apos;s net deferred tax liability [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfCompositionOfTheCompanysNetDeferredTaxLiabilityAbstract" xlink:to="kffb_ScheduleOfCompositionOfTheCompanysNetDeferredTaxLiabilityAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DisclosureTextBlockSupplementAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DisclosureTextBlockSupplementAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DisclosureTextBlockSupplementAbstract_lbl" xml:lang="en-US">Disclosure Text Block Supplement [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DisclosureTextBlockSupplementAbstract" xlink:to="us-gaap_DisclosureTextBlockSupplementAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfOutstandingLoanCommitmentsAbstract" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfOutstandingLoanCommitmentsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfOutstandingLoanCommitmentsAbstract_lbl" xml:lang="en-US">Schedule of outstanding loan commitments [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfOutstandingLoanCommitmentsAbstract" xlink:to="kffb_ScheduleOfOutstandingLoanCommitmentsAbstract_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnusedCommitmentsAxis_lbl" xml:lang="en-US">Unused Commitments [Axis]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityShellCompany_lbl" xml:lang="en-US">Entity Shell Company</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CashAndDueFromBanks_lbl" xml:lang="en-US">Cash and due from financial institutions</label>
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    <loc xlink:type="locator" xlink:label="kffb_InterestBearingDemandDeposits" xlink:href="kffb-20200630.xsd#kffb_InterestBearingDemandDeposits"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InterestBearingDemandDeposits" xlink:to="kffb_InterestBearingDemandDeposits_lbl0"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TimeDepositsInOtherFinancialInstitutions" xlink:to="kffb_TimeDepositsInOtherFinancialInstitutions_lbl"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecurities" xlink:to="us-gaap_AvailableForSaleSecurities_lbl0"/>
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    <loc xlink:type="locator" xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue_lbl" xml:lang="en-US">Securities held-to-maturity securities, fair value (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesFairValue" xlink:to="us-gaap_HeldToMaturitySecuritiesFairValue_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAvailableForSale" xlink:href="kffb-20200630.xsd#kffb_LoansAvailableForSale"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAvailableForSale_lbl" xml:lang="en-US">Loans held for sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAvailableForSale" xlink:to="kffb_LoansAvailableForSale_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Loans, net of allowance of $1,488 and $1,456 at June 30, 2020 and 2019, respectively</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl0" xml:lang="en-US">Loans receivable - net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Loans, net of allowance (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableAllowance" xlink:to="us-gaap_LoansAndLeasesReceivableAllowance_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankStock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankStock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankStock_lbl" xml:lang="en-US">Federal Home Loan Bank stock, at cost</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankStock" xlink:to="us-gaap_FederalHomeLoanBankStock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestReceivable" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestReceivable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestReceivable_lbl" xml:lang="en-US">Accrued interest receivable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestReceivable" xlink:to="us-gaap_InterestReceivable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_BankOwnedLifeInsurance" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BankOwnedLifeInsurance_lbl" xml:lang="en-US">Bank-owned life insurance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankOwnedLifeInsurance" xlink:to="us-gaap_BankOwnedLifeInsurance_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_Goodwill" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Goodwill"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Goodwill" xlink:to="us-gaap_Goodwill_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PrepaidTaxes" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PrepaidTaxes"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PrepaidTaxes_lbl" xml:lang="en-US">Prepaid federal income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidTaxes" xlink:to="us-gaap_PrepaidTaxes_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent_lbl" xml:lang="en-US">Prepaid expenses and other assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent" xlink:to="us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl" xml:lang="en-US">LIABILITIES AND SHAREHOLDERS&#8217; EQUITY</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl" xml:lang="en-US">Federal Home Loan Bank advances</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:to="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance_lbl" xml:lang="en-US">Advances by borrowers for taxes and insurance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance" xlink:to="us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestPayableCurrentAndNoncurrent" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestPayableCurrentAndNoncurrent_lbl" xml:lang="en-US">Accrued interest payable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestPayableCurrentAndNoncurrent" xlink:to="us-gaap_InterestPayableCurrentAndNoncurrent_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredIncomeTaxLiabilitiesNet_lbl" xml:lang="en-US">Deferred federal income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:to="us-gaap_DeferredIncomeTaxLiabilitiesNet_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherLiabilities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherLiabilities_lbl" xml:lang="en-US">Other liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLiabilities" xlink:to="us-gaap_OtherLiabilities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommitmentsAndContingencies" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommitmentsAndContingencies"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommitmentsAndContingencies_lbl" xml:lang="en-US">Commitments and contingencies</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsAndContingencies" xlink:to="us-gaap_CommitmentsAndContingencies_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_StockholdersEquityAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockholdersEquityAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US">Shareholders&#8217; equity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityAbstract" xlink:to="us-gaap_StockholdersEquityAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PreferredStockValue" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PreferredStockValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockValue_lbl" xml:lang="en-US">Preferred stock, 500,000 shares authorized, $.01 par value; no shares issued and outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockValue" xlink:to="us-gaap_PreferredStockValue_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Preferred stock par value (in Dollars per share)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockParOrStatedValuePerShare" xlink:to="us-gaap_PreferredStockParOrStatedValuePerShare_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PreferredStockSharesAuthorized" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockSharesAuthorized_lbl" xml:lang="en-US">Preferred stock, shares authorized</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesAuthorized" xlink:to="us-gaap_PreferredStockSharesAuthorized_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PreferredStockSharesIssued" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PreferredStockSharesIssued"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockSharesIssued_lbl" xml:lang="en-US">Preferred stock, shares issued</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesIssued" xlink:to="us-gaap_PreferredStockSharesIssued_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PreferredStockSharesOutstanding" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockSharesOutstanding_lbl" xml:lang="en-US">Preferred stock, shares outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesOutstanding" xlink:to="us-gaap_PreferredStockSharesOutstanding_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockValue" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common stock, 20,000,000 shares authorized, $.01 par value; 8,596,064 shares issued</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValue" xlink:to="us-gaap_CommonStockValue_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Common stock par value (in Dollars per share)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="us-gaap_CommonStockParOrStatedValuePerShare_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockSharesAuthorized" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockSharesAuthorized_lbl" xml:lang="en-US">Common stock, shares authorized</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesAuthorized" xlink:to="us-gaap_CommonStockSharesAuthorized_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockSharesIssued" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockSharesIssued"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common stock, shares issued</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesIssued" xlink:to="us-gaap_CommonStockSharesIssued_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock_lbl" xml:lang="en-US">Additional paid-in capital</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapitalCommonStock" xlink:to="us-gaap_AdditionalPaidInCapitalCommonStock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained earnings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TreasuryStockShares" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TreasuryStockShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TreasuryStockShares_lbl" xml:lang="en-US">Treasury stock, shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockShares" xlink:to="us-gaap_TreasuryStockShares_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Accumulated other comprehensive income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl" xml:lang="en-US">Interest income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:to="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases_lbl" xml:lang="en-US">Loans, including fees</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:to="us-gaap_InterestAndFeeIncomeLoansAndLeases_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases_lbl0" xml:lang="en-US">Interest income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:to="us-gaap_InterestAndFeeIncomeLoansAndLeases_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestIncomeSecuritiesMortgageBacked" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestIncomeSecuritiesMortgageBacked"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestIncomeSecuritiesMortgageBacked_lbl" xml:lang="en-US">Mortgage-backed securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeSecuritiesMortgageBacked" xlink:to="us-gaap_InterestIncomeSecuritiesMortgageBacked_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesOther" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesOther"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesOther_lbl" xml:lang="en-US">Other securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeSecuritiesOther" xlink:to="us-gaap_InterestAndDividendIncomeSecuritiesOther_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestIncomeDomesticDeposits" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestIncomeDomesticDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestIncomeDomesticDeposits_lbl" xml:lang="en-US">Interest-bearing deposits and other</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeDomesticDeposits" xlink:to="us-gaap_InterestIncomeDomesticDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestExpenseAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestExpenseAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseAbstract_lbl" xml:lang="en-US">Interest expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseAbstract" xlink:to="us-gaap_InterestExpenseAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestExpenseDeposits" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestExpenseDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseDeposits_lbl" xml:lang="en-US">Deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseDeposits" xlink:to="us-gaap_InterestExpenseDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestExpenseBorrowings" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestExpenseBorrowings"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseBorrowings_lbl" xml:lang="en-US">Borrowings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseBorrowings" xlink:to="us-gaap_InterestExpenseBorrowings_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProvisionForLoanLossesExpensed" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProvisionForLoanLossesExpensed_lbl" xml:lang="en-US">Provision for loan losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanLossesExpensed" xlink:to="us-gaap_ProvisionForLoanLossesExpensed_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NoninterestIncomeAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestIncomeAbstract_lbl" xml:lang="en-US">Non-interest income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeAbstract" xlink:to="us-gaap_NoninterestIncomeAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl" xml:lang="en-US">Earnings on bank-owned life insurance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankOwnedLifeInsuranceIncome" xlink:to="us-gaap_BankOwnedLifeInsuranceIncome_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GainLossOnSalesOfLoansNet" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainLossOnSalesOfLoansNet_lbl" xml:lang="en-US">Net gains on sales of loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSalesOfLoansNet" xlink:to="us-gaap_GainLossOnSalesOfLoansNet_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainLossOnSalesOfLoansNet_lbl0" xml:lang="en-US">Net gain on sale of loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSalesOfLoansNet" xlink:to="us-gaap_GainLossOnSalesOfLoansNet_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GainsLossesOnSalesOfOtherRealEstate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl" xml:lang="en-US">Net gain on sales of REO</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainsLossesOnSalesOfOtherRealEstate" xlink:to="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" xml:lang="en-US">Other</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:to="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NoninterestExpenseAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestExpenseAbstract_lbl" xml:lang="en-US">Non-interest expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpenseAbstract" xlink:to="us-gaap_NoninterestExpenseAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LaborAndRelatedExpense" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LaborAndRelatedExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LaborAndRelatedExpense_lbl" xml:lang="en-US">Employee compensation and benefits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LaborAndRelatedExpense" xlink:to="us-gaap_LaborAndRelatedExpense_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OccupancyAndEquipment" xlink:href="kffb-20200630.xsd#kffb_OccupancyAndEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OccupancyAndEquipment_lbl" xml:lang="en-US">Occupancy and equipment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OccupancyAndEquipment" xlink:to="kffb_OccupancyAndEquipment_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_VoiceAndDataCommunications" xlink:href="kffb-20200630.xsd#kffb_VoiceAndDataCommunications"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_VoiceAndDataCommunications_lbl" xml:lang="en-US">Voice and data communications</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_VoiceAndDataCommunications" xlink:to="kffb_VoiceAndDataCommunications_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdvertisingExpense" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdvertisingExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdvertisingExpense_lbl" xml:lang="en-US">Advertising</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdvertisingExpense" xlink:to="us-gaap_AdvertisingExpense_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OutsideServiceFee" xlink:href="kffb-20200630.xsd#kffb_OutsideServiceFee"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OutsideServiceFee_lbl" xml:lang="en-US">Outside service fees</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OutsideServiceFee" xlink:to="kffb_OutsideServiceFee_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InformationTechnologyAndDataProcessing" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InformationTechnologyAndDataProcessing"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InformationTechnologyAndDataProcessing_lbl" xml:lang="en-US">Data processing</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InformationTechnologyAndDataProcessing" xlink:to="us-gaap_InformationTechnologyAndDataProcessing_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProfessionalFees" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProfessionalFees"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProfessionalFees_lbl" xml:lang="en-US">Audit and accounting</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProfessionalFees" xlink:to="us-gaap_ProfessionalFees_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TaxesOther" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TaxesOther"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TaxesOther_lbl" xml:lang="en-US">Franchise and other taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TaxesOther" xlink:to="us-gaap_TaxesOther_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ForeclosedRealEstateExpense" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ForeclosedRealEstateExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ForeclosedRealEstateExpense_lbl" xml:lang="en-US">Foreclosure and REO expense, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ForeclosedRealEstateExpense" xlink:to="us-gaap_ForeclosedRealEstateExpense_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GoodwillImpairmentLoss" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GoodwillImpairmentLoss_lbl" xml:lang="en-US">Goodwill impairment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillImpairmentLoss" xlink:to="us-gaap_GoodwillImpairmentLoss_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherNoninterestExpense" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherNoninterestExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherNoninterestExpense_lbl" xml:lang="en-US">Other</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherNoninterestExpense" xlink:to="us-gaap_OtherNoninterestExpense_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperationsAbstract_lbl" xml:lang="en-US">Federal income tax expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:to="us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperationsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CurrentFederalTaxExpenseBenefit" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CurrentFederalTaxExpenseBenefit_lbl" xml:lang="en-US">Current</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CurrentFederalTaxExpenseBenefit" xlink:to="us-gaap_CurrentFederalTaxExpenseBenefit_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredFederalIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Deferred</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:to="us-gaap_DeferredFederalIncomeTaxExpenseBenefit_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_EarningsPerShareBasicAndDiluted" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EarningsPerShareBasicAndDiluted"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EarningsPerShareBasicAndDiluted_lbl" xml:lang="en-US">(LOSS) EARNINGS PER SHARE Basic and diluted (in Dollars per share)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareBasicAndDiluted" xlink:to="us-gaap_EarningsPerShareBasicAndDiluted_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_EarningsPerShareBasicAndDiluted_lbl0" xml:lang="en-US">(LOSS) EARNINGS PER SHARE</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareBasicAndDiluted" xlink:to="us-gaap_EarningsPerShareBasicAndDiluted_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetIncomeLoss" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetIncomeLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US">Net (loss) income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetIncomeLoss_lbl0" xml:lang="en-US">Net income (loss)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="us-gaap_NetIncomeLoss_lbl1" xml:lang="en-US">Net (loss) earnings for the year</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_lbl1"/>
    <loc xlink:type="locator" xlink:label="kffb_OtherComprehensiveLossIncomeNetOfTaxRelatedEffectsAbstract" xlink:href="kffb-20200630.xsd#kffb_OtherComprehensiveLossIncomeNetOfTaxRelatedEffectsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OtherComprehensiveLossIncomeNetOfTaxRelatedEffectsAbstract_lbl" xml:lang="en-US">Other comprehensive (loss) income, net of tax-related effects:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OtherComprehensiveLossIncomeNetOfTaxRelatedEffectsAbstract" xlink:to="kffb_OtherComprehensiveLossIncomeNetOfTaxRelatedEffectsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_lbl" xml:lang="en-US">Unrealized holding (losses) gains on securities designated as available for sale during the year, net of taxes (benefits) of $(1) and $1 in 2020 and 2019, respectively</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_lbl0" xml:lang="en-US">Unrealized holding gains (losses) on securities designated as available for sale during the year, net of taxes (benefits) of $(1) and $1 in 2020 and 2019, respectively</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl" xml:lang="en-US">Unrealized holding Gains (losses) on securities designated as available-for-sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl0" xml:lang="en-US">Unrealized holding gains (losses) on securities designated as available for sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition_lbl" xml:lang="en-US">Allocation of ESOP shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition" xlink:to="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl" xml:lang="en-US">Acquisition of shares for treasury</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued" xlink:to="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ChangeInAccountingMethodForRetainedEarnings" xlink:href="kffb-20200630.xsd#kffb_ChangeInAccountingMethodForRetainedEarnings"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ChangeInAccountingMethodForRetainedEarnings_lbl" xml:lang="en-US">Change in accounting method</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ChangeInAccountingMethodForRetainedEarnings" xlink:to="kffb_ChangeInAccountingMethodForRetainedEarnings_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_lbl" xml:lang="en-US">Other Comprehensive Income (loss)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings_lbl" xml:lang="en-US">Cash dividends of $0.40 per common share</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings" xlink:to="us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockDividendsPerShareCashPaid" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockDividendsPerShareCashPaid"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareCashPaid_lbl" xml:lang="en-US">Cash dividends of per common share</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockDividendsPerShareCashPaid" xlink:to="us-gaap_CommonStockDividendsPerShareCashPaid_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from operating activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Adjustments to reconcile net (loss) income to net cash provided by operating activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl0" xml:lang="en-US">Adjustments to reconcile net earnings to net cash provided by operating activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_Depreciation" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Depreciation"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Depreciation_lbl" xml:lang="en-US">Depreciation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Depreciation" xlink:to="us-gaap_Depreciation_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AmortizationOfPurchasedLoanPremium" xlink:href="kffb-20200630.xsd#kffb_AmortizationOfPurchasedLoanPremium"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AmortizationOfPurchasedLoanPremium_lbl" xml:lang="en-US">Amortization of purchased loan premium</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AmortizationOfPurchasedLoanPremium" xlink:to="kffb_AmortizationOfPurchasedLoanPremium_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AmortizationAccretionOfDeferredLoanOriginationCosts" xlink:href="kffb-20200630.xsd#kffb_AmortizationAccretionOfDeferredLoanOriginationCosts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AmortizationAccretionOfDeferredLoanOriginationCosts_lbl" xml:lang="en-US">Amortization of deferred loan origination costs (fees)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AmortizationAccretionOfDeferredLoanOriginationCosts" xlink:to="kffb_AmortizationAccretionOfDeferredLoanOriginationCosts_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ImpairmentOfInvestments" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ImpairmentOfInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairmentOfInvestments_lbl" xml:lang="en-US">Valuation adjustment of REO</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairmentOfInvestments" xlink:to="us-gaap_ImpairmentOfInvestments_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl" xml:lang="en-US">ESOP compensation expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl0" xml:lang="en-US">Noncash compensation expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_ProvisionForLoanLosses" xlink:href="kffb-20200630.xsd#kffb_ProvisionForLoanLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ProvisionForLoanLosses_lbl" xml:lang="en-US">Provision for loan losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ProvisionForLoanLosses" xlink:to="kffb_ProvisionForLoanLosses_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale_lbl" xml:lang="en-US">Proceeds from loans held for sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" xlink:to="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl" xml:lang="en-US">Increase (decrease) in cash, due to changes in:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl0" xml:lang="en-US">Increase (decrease) in cash due to changes in:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInInterestPayableNet_lbl" xml:lang="en-US">Accrued interest payable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:to="us-gaap_IncreaseDecreaseInInterestPayableNet_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_lbl" xml:lang="en-US">Accounts payable and other liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities" xlink:to="us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_lbl0" xml:lang="en-US">Other liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities" xlink:to="us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_FederalIncomeTaxBenefitAbstract" xlink:href="kffb-20200630.xsd#kffb_FederalIncomeTaxBenefitAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FederalIncomeTaxBenefitAbstract_lbl" xml:lang="en-US">Federal income tax (benefit)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalIncomeTaxBenefitAbstract" xlink:to="kffb_FederalIncomeTaxBenefitAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit" xlink:href="kffb-20200630.xsd#kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit_lbl" xml:lang="en-US">Current</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit" xlink:to="kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit" xlink:href="kffb-20200630.xsd#kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit_lbl" xml:lang="en-US">Deferred</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit" xlink:to="kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from investing activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments_lbl" xml:lang="en-US">Maturities of time deposits in other financial institutions</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments" xlink:to="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_InvestmentSecuritiesMaturitiesPrepaymentsAndCallsAbstract" xlink:href="kffb-20200630.xsd#kffb_InvestmentSecuritiesMaturitiesPrepaymentsAndCallsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_InvestmentSecuritiesMaturitiesPrepaymentsAndCallsAbstract_lbl" xml:lang="en-US">Investment securities maturities, prepayments and calls:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InvestmentSecuritiesMaturitiesPrepaymentsAndCallsAbstract" xlink:to="kffb_InvestmentSecuritiesMaturitiesPrepaymentsAndCallsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_lbl" xml:lang="en-US">Held to maturity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:to="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Available for sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:to="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromSaleOfInvestmentProjects" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleOfInvestmentProjects"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfInvestmentProjects_lbl" xml:lang="en-US">Proceeds from sale of property &amp; equipment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfInvestmentProjects" xlink:to="us-gaap_ProceedsFromSaleOfInvestmentProjects_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans_lbl" xml:lang="en-US">Proceeds from sale of real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans" xlink:to="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from financing activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInDeposits" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Net change in deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeposits" xlink:to="us-gaap_IncreaseDecreaseInDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance_lbl" xml:lang="en-US">Payments by borrowers for taxes and insurance, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance" xlink:to="us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromFederalHomeLoanBankBorrowings"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_lbl" xml:lang="en-US">Proceeds from Federal Home Loan Bank advances</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:to="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xml:lang="en-US">Supplemental disclosure of cash flow information:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="us-gaap_SupplementalCashFlowInformationAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncomeTaxesPaidNetAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxesPaidNetAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxesPaidNetAbstract_lbl" xml:lang="en-US">Cash paid during the year for:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxesPaidNetAbstract" xlink:to="us-gaap_IncomeTaxesPaidNetAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncomeTaxesPaidNet" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxesPaidNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxesPaidNet_lbl" xml:lang="en-US">Federal income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxesPaidNet" xlink:to="us-gaap_IncomeTaxesPaidNet_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestPaidNet" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestPaidNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestPaidNet_lbl" xml:lang="en-US">Interest on deposits and borrowings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestPaidNet" xlink:to="us-gaap_InterestPaidNet_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NoncashInvestingAndFinancingItemsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoncashInvestingAndFinancingItemsAbstract_lbl" xml:lang="en-US">Supplemental disclosure of noncash investing activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:to="us-gaap_NoncashInvestingAndFinancingItemsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet" xlink:href="kffb-20200630.xsd#kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet_lbl" xml:lang="en-US">Transfers from loans to real estate acquired through foreclosure</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet" xlink:to="kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure" xlink:href="kffb-20200630.xsd#kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure_lbl" xml:lang="en-US">Loans disbursed upon sales of real estate acquired through foreclosure</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure" xlink:to="kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_UnearnedESOPShares" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UnearnedESOPShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_UnearnedESOPShares_lbl" xml:lang="en-US">Unearned employee stock ownership plan (ESOP)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnearnedESOPShares" xlink:to="us-gaap_UnearnedESOPShares_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TreasuryStockValue" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TreasuryStockValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Treasury shares at cost, 343,849 and 266,549 common shares at June 30, 2020 and 2019, respectively</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockValue" xlink:to="us-gaap_TreasuryStockValue_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_RealEstateOwnedValuationAllowanceProvision1" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RealEstateOwnedValuationAllowanceProvision1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_RealEstateOwnedValuationAllowanceProvision1_lbl" xml:lang="en-US">Valuation adjustment for REO</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealEstateOwnedValuationAllowanceProvision1" xlink:to="us-gaap_RealEstateOwnedValuationAllowanceProvision1_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AccretionOfPurchasedLoanDiscount" xlink:href="kffb-20200630.xsd#kffb_AccretionOfPurchasedLoanDiscount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_AccretionOfPurchasedLoanDiscount_lbl" xml:lang="en-US">Accretion of purchased loan discount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AccretionOfPurchasedLoanDiscount" xlink:to="kffb_AccretionOfPurchasedLoanDiscount_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Amortization of discounts and premiums on investment securities, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:to="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GainsLossesOnSalesOfInvestmentRealEstate" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GainsLossesOnSalesOfInvestmentRealEstate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainsLossesOnSalesOfInvestmentRealEstate_lbl" xml:lang="en-US">Net gain on real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainsLossesOnSalesOfInvestmentRealEstate" xlink:to="us-gaap_GainsLossesOnSalesOfInvestmentRealEstate_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" xml:lang="en-US">Net gain on sale of property &amp; equipment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:to="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_EarningsOnBankOwnedLifeInsurance" xlink:href="kffb-20200630.xsd#kffb_EarningsOnBankOwnedLifeInsurance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_EarningsOnBankOwnedLifeInsurance_lbl" xml:lang="en-US">Earnings on bank-owned life insurance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EarningsOnBankOwnedLifeInsurance" xlink:to="kffb_EarningsOnBankOwnedLifeInsurance_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl" xml:lang="en-US">Origination of loans held for sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:to="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl" xml:lang="en-US">Accrued interest receivable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:to="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets_lbl" xml:lang="en-US">Prepaid expenses and other assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:to="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets_lbl0" xml:lang="en-US">Prepaid expenses and other assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:to="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Purchase of investment securities available for sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsForDepositsWithOtherInstitutions" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsForDepositsWithOtherInstitutions"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForDepositsWithOtherInstitutions_lbl" xml:lang="en-US">Purchase of time deposits in other financial institutions</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForDepositsWithOtherInstitutions" xlink:to="us-gaap_PaymentsForDepositsWithOtherInstitutions_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_PurchaseOfFhlbStock" xlink:href="kffb-20200630.xsd#kffb_PurchaseOfFhlbStock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_PurchaseOfFhlbStock_lbl" xml:lang="en-US">Purchase of FHLB stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_PurchaseOfFhlbStock" xlink:to="kffb_PurchaseOfFhlbStock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Loans originated for investment, net of principal collected</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:to="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AdditionsToRealEstateOwned" xlink:href="kffb-20200630.xsd#kffb_AdditionsToRealEstateOwned"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_AdditionsToRealEstateOwned_lbl" xml:lang="en-US">Additions to real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AdditionsToRealEstateOwned" xlink:to="kffb_AdditionsToRealEstateOwned_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Additions to premises and equipment, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl0" xml:lang="en-US">Additions to premises and equipment, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl" xml:lang="en-US">Repayments on Federal Home Loan Bank advances</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:to="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ProceedFromSaleOfTreasuryStock" xlink:href="kffb-20200630.xsd#kffb_ProceedFromSaleOfTreasuryStock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_ProceedFromSaleOfTreasuryStock_lbl" xml:lang="en-US">Treasury stock purchases</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ProceedFromSaleOfTreasuryStock" xlink:to="kffb_ProceedFromSaleOfTreasuryStock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsOfDividendsCommonStock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsOfDividendsCommonStock_lbl" xml:lang="en-US">Dividends paid on common stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividendsCommonStock" xlink:to="us-gaap_PaymentsOfDividendsCommonStock_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="us-gaap_PaymentsOfDividendsCommonStock_lbl0" xml:lang="en-US">Dividends paid on common stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividendsCommonStock" xlink:to="us-gaap_PaymentsOfDividendsCommonStock_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockMember_lbl" xml:lang="en-US">Common stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdditionalPaidInCapitalMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdditionalPaidInCapitalMember_lbl" xml:lang="en-US">Additional paid-in capital</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapitalMember" xlink:to="us-gaap_AdditionalPaidInCapitalMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_RetainedEarningsMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RetainedEarningsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RetainedEarningsMember_lbl" xml:lang="en-US">Retained earnings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsMember" xlink:to="us-gaap_RetainedEarningsMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_UnearnedEmployeeStockOwnershipPlanMember" xlink:href="kffb-20200630.xsd#kffb_UnearnedEmployeeStockOwnershipPlanMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnearnedEmployeeStockOwnershipPlanMember_lbl" xml:lang="en-US">Unearned employee stock ownership plan (ESOP)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnearnedEmployeeStockOwnershipPlanMember" xlink:to="kffb_UnearnedEmployeeStockOwnershipPlanMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TreasuryStockMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TreasuryStockMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TreasuryStockMember_lbl" xml:lang="en-US">Treasury shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockMember" xlink:to="us-gaap_TreasuryStockMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl" xml:lang="en-US">Accumulated other comprehensive income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock_lbl" xml:lang="en-US">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="us-gaap_SignificantAccountingPoliciesTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfRetirementAndEmployeeBenefitPlansTableTextBlock" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfRetirementAndEmployeeBenefitPlansTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ScheduleOfRetirementAndEmployeeBenefitPlansTableTextBlock_lbl" xml:lang="en-US">Schedule of retirement and employee benefit plans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfRetirementAndEmployeeBenefitPlansTableTextBlock" xlink:to="kffb_ScheduleOfRetirementAndEmployeeBenefitPlansTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DistributedEarnings" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DistributedEarnings"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DistributedEarnings_lbl" xml:lang="en-US">Allocated shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DistributedEarnings" xlink:to="us-gaap_DistributedEarnings_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_SharesCommittedToBeReleased" xlink:href="kffb-20200630.xsd#kffb_SharesCommittedToBeReleased"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_SharesCommittedToBeReleased_lbl" xml:lang="en-US">Shares committed to be released (in Shares)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_SharesCommittedToBeReleased" xlink:to="kffb_SharesCommittedToBeReleased_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_UnearnedESOPShares1" xlink:href="kffb-20200630.xsd#kffb_UnearnedESOPShares1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnearnedESOPShares1_lbl" xml:lang="en-US">Unearned shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnearnedESOPShares1" xlink:to="kffb_UnearnedESOPShares1_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_lbl" xml:lang="en-US">Total ESOP shares (in Shares)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:to="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl" xml:lang="en-US">Fair value of unearned shares at End of period</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:to="us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_lbl" xml:lang="en-US">Schedule of earnings per share</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:to="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted_lbl" xml:lang="en-US">Weighted average common shares outstanding, basic and diluted</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted" xlink:to="us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_lbl" xml:lang="en-US">Schedule of assets measured at fair value on a non-recurring basis</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:to="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_a2020Abstract" xlink:href="kffb-20200630.xsd#kffb_a2020Abstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_a2020Abstract_lbl" xml:lang="en-US">2020</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_a2020Abstract" xlink:to="kffb_a2020Abstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AssetsFairValueDisclosure" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AssetsFairValueDisclosure_lbl" xml:lang="en-US">Fair Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_AssetsFairValueDisclosure_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_a2019Abstract" xlink:href="kffb-20200630.xsd#kffb_a2019Abstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_a2019Abstract_lbl" xml:lang="en-US">2019</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_a2019Abstract" xlink:to="kffb_a2019Abstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl" xml:lang="en-US">Schedule of assets measured at fair value on a non-recurring basis</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:to="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_a2020Abstract0" xlink:href="kffb-20200630.xsd#kffb_a2020Abstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_a2020Abstract0_lbl" xml:lang="en-US">2020</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_a2020Abstract0" xlink:to="kffb_a2020Abstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OtherRealEstateOwnedNetAbstract" xlink:href="kffb-20200630.xsd#kffb_OtherRealEstateOwnedNetAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OtherRealEstateOwnedNetAbstract_lbl" xml:lang="en-US">Other real estate owned, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OtherRealEstateOwnedNetAbstract" xlink:to="kffb_OtherRealEstateOwnedNetAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_a2019Abstract0" xlink:href="kffb-20200630.xsd#kffb_a2019Abstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_a2019Abstract0_lbl" xml:lang="en-US">2019</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_a2019Abstract0" xlink:to="kffb_a2019Abstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAbstract" xlink:href="kffb-20200630.xsd#kffb_LoansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAbstract_lbl" xml:lang="en-US">Loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAbstract" xlink:to="kffb_LoansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OtherRealEstateOwnedNetAbstract0" xlink:href="kffb-20200630.xsd#kffb_OtherRealEstateOwnedNetAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OtherRealEstateOwnedNetAbstract0_lbl" xml:lang="en-US">Other real estate owned, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OtherRealEstateOwnedNetAbstract0" xlink:to="kffb_OtherRealEstateOwnedNetAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisValuationTechniquesTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisValuationTechniquesTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisValuationTechniquesTextBlock_lbl" xml:lang="en-US">Schedule of assets measured at fair value on a non-recurring basis</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisValuationTechniquesTextBlock" xlink:to="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisValuationTechniquesTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ForeclosedAndRepossessedAssetsAbstract" xlink:href="kffb-20200630.xsd#kffb_ForeclosedAndRepossessedAssetsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ForeclosedAndRepossessedAssetsAbstract_lbl" xml:lang="en-US">Foreclosed and repossessed assets:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ForeclosedAndRepossessedAssetsAbstract" xlink:to="kffb_ForeclosedAndRepossessedAssetsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AvailableForSalesSecuritiesFairValue" xlink:href="kffb-20200630.xsd#kffb_AvailableForSalesSecuritiesFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AvailableForSalesSecuritiesFairValue_lbl" xml:lang="en-US">Fair Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableForSalesSecuritiesFairValue" xlink:to="kffb_AvailableForSalesSecuritiesFairValue_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ValuationTechniques" xlink:href="kffb-20200630.xsd#kffb_ValuationTechniques"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ValuationTechniques_lbl" xml:lang="en-US">Valuation Technique(s)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ValuationTechniques" xlink:to="kffb_ValuationTechniques_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription" xlink:href="kffb-20200630.xsd#kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription_lbl" xml:lang="en-US">Unobservable Input(s)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription" xlink:to="kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FairValueAssumptionsWeightedAverageVolatilityRateDescription" xlink:href="kffb-20200630.xsd#kffb_FairValueAssumptionsWeightedAverageVolatilityRateDescription"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FairValueAssumptionsWeightedAverageVolatilityRateDescription_lbl" xml:lang="en-US">Range (Weighted Average)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FairValueAssumptionsWeightedAverageVolatilityRateDescription" xlink:to="kffb_FairValueAssumptionsWeightedAverageVolatilityRateDescription_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAbstract0" xlink:href="kffb-20200630.xsd#kffb_LoansAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAbstract0_lbl" xml:lang="en-US">Loans:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAbstract0" xlink:to="kffb_LoansAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ForeclosedAndRepossessedAssetsAbstract0" xlink:href="kffb-20200630.xsd#kffb_ForeclosedAndRepossessedAssetsAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ForeclosedAndRepossessedAssetsAbstract0_lbl" xml:lang="en-US">Foreclosed and repossessed assets:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ForeclosedAndRepossessedAssetsAbstract0" xlink:to="kffb_ForeclosedAndRepossessedAssetsAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl" xml:lang="en-US">Schedule of foregoing methods and assumptions, the carrying value and fair value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:to="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancialAssetsAbstract" xlink:href="kffb-20200630.xsd#kffb_FinancialAssetsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancialAssetsAbstract_lbl" xml:lang="en-US">Financial assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancialAssetsAbstract" xlink:to="kffb_FinancialAssetsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TimeDepositsAtCarryingValues" xlink:href="kffb-20200630.xsd#kffb_TimeDepositsAtCarryingValues"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TimeDepositsAtCarryingValues_lbl" xml:lang="en-US">Time deposits in other financial institutions</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TimeDepositsAtCarryingValues" xlink:to="kffb_TimeDepositsAtCarryingValues_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AvailableForSaleSecuritiesCurrent" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesCurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesCurrent_lbl" xml:lang="en-US">Available-for-sale securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesCurrent" xlink:to="us-gaap_AvailableForSaleSecuritiesCurrent_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_HeldtomaturitySecurities1" xlink:href="kffb-20200630.xsd#kffb_HeldtomaturitySecurities1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_HeldtomaturitySecurities1_lbl" xml:lang="en-US">Held-to-maturity securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_HeldtomaturitySecurities1" xlink:to="kffb_HeldtomaturitySecurities1_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansHeldForSaleCarryingValue" xlink:href="kffb-20200630.xsd#kffb_LoansHeldForSaleCarryingValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansHeldForSaleCarryingValue_lbl" xml:lang="en-US">Loans held for sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansHeldForSaleCarryingValue" xlink:to="kffb_LoansHeldForSaleCarryingValue_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_lbl" xml:lang="en-US">Loans receivable - net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup" xlink:to="us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure_lbl" xml:lang="en-US">Federal Home Loan Bank stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure" xlink:to="us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AccountsReceivableFairValueDisclosure" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccountsReceivableFairValueDisclosure"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccountsReceivableFairValueDisclosure_lbl" xml:lang="en-US">Accrued interest receivable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsReceivableFairValueDisclosure" xlink:to="us-gaap_AccountsReceivableFairValueDisclosure_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancialLiabilitiesAbstract" xlink:href="kffb-20200630.xsd#kffb_FinancialLiabilitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancialLiabilitiesAbstract_lbl" xml:lang="en-US">Financial liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancialLiabilitiesAbstract" xlink:to="kffb_FinancialLiabilitiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_Deposit" xlink:href="kffb-20200630.xsd#kffb_Deposit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_Deposit_lbl" xml:lang="en-US">Deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_Deposit" xlink:to="kffb_Deposit_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl" xml:lang="en-US">Federal Home Loan Bank advances</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" xlink:to="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_lbl" xml:lang="en-US">Accrued interest payable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure" xlink:to="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancialAssetsAbstract0" xlink:href="kffb-20200630.xsd#kffb_FinancialAssetsAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancialAssetsAbstract0_lbl" xml:lang="en-US">Financial assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancialAssetsAbstract0" xlink:to="kffb_FinancialAssetsAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancialLiabilitiesAbstract0" xlink:href="kffb-20200630.xsd#kffb_FinancialLiabilitiesAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancialLiabilitiesAbstract0_lbl" xml:lang="en-US">Financial liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancialLiabilitiesAbstract0" xlink:to="kffb_FinancialLiabilitiesAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfLoansOutstandingTableTextBlock" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfLoansOutstandingTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ScheduleOfLoansOutstandingTableTextBlock_lbl" xml:lang="en-US">Schedule of loans outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfLoansOutstandingTableTextBlock" xlink:to="kffb_ScheduleOfLoansOutstandingTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ChangesInCompositionOfRelatedParties" xlink:href="kffb-20200630.xsd#kffb_ChangesInCompositionOfRelatedParties"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ChangesInCompositionOfRelatedParties_lbl" xml:lang="en-US">Changes in composition of related parties</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ChangesInCompositionOfRelatedParties" xlink:to="kffb_ChangesInCompositionOfRelatedParties_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_PrincipalDisbursed" xlink:href="kffb-20200630.xsd#kffb_PrincipalDisbursed"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_PrincipalDisbursed_lbl" xml:lang="en-US">Principal disbursed during the year</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_PrincipalDisbursed" xlink:to="kffb_PrincipalDisbursed_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_PrincipalRepaidAndRefinanced" xlink:href="kffb-20200630.xsd#kffb_PrincipalRepaidAndRefinanced"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_PrincipalRepaidAndRefinanced_lbl" xml:lang="en-US">Principal repaid and refinanced during the year</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_PrincipalRepaidAndRefinanced" xlink:to="kffb_PrincipalRepaidAndRefinanced_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl" xml:lang="en-US">SECURITIES</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:to="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_InvestmentsSecuritiesTableTextBlock" xlink:href="kffb-20200630.xsd#kffb_InvestmentsSecuritiesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_InvestmentsSecuritiesTableTextBlock_lbl" xml:lang="en-US">Schedule of gross unrealized or unrecognized gains and losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InvestmentsSecuritiesTableTextBlock" xlink:to="kffb_InvestmentsSecuritiesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AvailableForSaleSecuritiesAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesAbstract_lbl" xml:lang="en-US">Available-for-sale Securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesAbstract" xlink:to="us-gaap_AvailableForSaleSecuritiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_lbl" xml:lang="en-US">Available-for-sale Securities, Amortized cost</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_lbl" xml:lang="en-US">Available-for-sale Securities, Gross unrealized/ unrecognized gains</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:to="us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_lbl" xml:lang="en-US">Available-for-sale Securities, Gross unrealized/ unrecognized losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:to="us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HeldToMaturitySecuritiesAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesAbstract_lbl" xml:lang="en-US">Held-to-maturity Securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesAbstract" xlink:to="us-gaap_HeldToMaturitySecuritiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment_lbl" xml:lang="en-US">Held-to-maturity Securities, Amortized cost</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment" xlink:to="us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_lbl" xml:lang="en-US">Held-to-maturity Securities, Gross unrealized/ unrecognized gains</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:to="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_lbl" xml:lang="en-US">Held-to-maturity Securities, Gross unrealized/ unrecognized losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:to="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtSecurities_lbl" xml:lang="en-US">Held-to-maturity Securities, Estimated fair value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtSecurities_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AvailableForSaleSecuritiesAbstract0" xlink:href="kffb-20200630.xsd#kffb_AvailableForSaleSecuritiesAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AvailableForSaleSecuritiesAbstract0_lbl" xml:lang="en-US">Available-for-sale Securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableForSaleSecuritiesAbstract0" xlink:to="kffb_AvailableForSaleSecuritiesAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_HeldToMaturitySecuritiesAbstract0" xlink:href="kffb-20200630.xsd#kffb_HeldToMaturitySecuritiesAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_HeldToMaturitySecuritiesAbstract0_lbl" xml:lang="en-US">Held-to-maturity Securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_HeldToMaturitySecuritiesAbstract0" xlink:to="kffb_HeldToMaturitySecuritiesAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivablesTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivablesTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivablesTextBlock_lbl" xml:lang="en-US">LOANS</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesTextBlock" xlink:to="us-gaap_FinancingReceivablesTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock_lbl" xml:lang="en-US">Schedule of loan portfolio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock" xlink:to="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract_lbl" xml:lang="en-US">Residential real estate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract" xlink:to="kffb_ResidentialRealEstateAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableOneToFourFamily" xlink:href="kffb-20200630.xsd#kffb_LoansAndLeasesReceivableOneToFourFamily"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableOneToFourFamily_lbl" xml:lang="en-US">One- to four-family</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableOneToFourFamily" xlink:to="kffb_LoansAndLeasesReceivableOneToFourFamily_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableMultifamily" xlink:href="kffb-20200630.xsd#kffb_LoansAndLeasesReceivableMultifamily"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableMultifamily_lbl" xml:lang="en-US">Multi-family</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableMultifamily" xlink:to="kffb_LoansAndLeasesReceivableMultifamily_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableConsumersConstruction" xlink:href="kffb-20200630.xsd#kffb_LoansAndLeasesReceivableConsumersConstruction"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableConsumersConstruction_lbl" xml:lang="en-US">Construction</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableConsumersConstruction" xlink:to="kffb_LoansAndLeasesReceivableConsumersConstruction_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableCommercialLand" xlink:href="kffb-20200630.xsd#kffb_LoansReceivableCommercialLand"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansReceivableCommercialLand_lbl" xml:lang="en-US">Land</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialLand" xlink:to="kffb_LoansReceivableCommercialLand_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableCommercialAgriculturals" xlink:href="kffb-20200630.xsd#kffb_LoansReceivableCommercialAgriculturals"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansReceivableCommercialAgriculturals_lbl" xml:lang="en-US">Farm</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialAgriculturals" xlink:to="kffb_LoansReceivableCommercialAgriculturals_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableCommercialRealEstates" xlink:href="kffb-20200630.xsd#kffb_LoansReceivableCommercialRealEstates"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansReceivableCommercialRealEstates_lbl" xml:lang="en-US">Nonresidential real estate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialRealEstates" xlink:to="kffb_LoansReceivableCommercialRealEstates_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableCommercialNonMortgage" xlink:href="kffb-20200630.xsd#kffb_LoansReceivableCommercialNonMortgage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansReceivableCommercialNonMortgage_lbl" xml:lang="en-US">Commercial and industrial</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialNonMortgage" xlink:to="kffb_LoansReceivableCommercialNonMortgage_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract" xlink:href="kffb-20200630.xsd#kffb_ConsumerAndOtherAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract_lbl" xml:lang="en-US">Consumer and other</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract" xlink:to="kffb_ConsumerAndOtherAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableLoansOnDeposits" xlink:href="kffb-20200630.xsd#kffb_LoansAndLeasesReceivableLoansOnDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableLoansOnDeposits_lbl" xml:lang="en-US">Loans on deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableLoansOnDeposits" xlink:to="kffb_LoansAndLeasesReceivableLoansOnDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivablesConsumerHomeEquity" xlink:href="kffb-20200630.xsd#kffb_LoansAndLeasesReceivablesConsumerHomeEquity"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivablesConsumerHomeEquity_lbl" xml:lang="en-US">Home equity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivablesConsumerHomeEquity" xlink:to="kffb_LoansAndLeasesReceivablesConsumerHomeEquity_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableAutomobile" xlink:href="kffb-20200630.xsd#kffb_LoansAndLeasesReceivableAutomobile"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableAutomobile_lbl" xml:lang="en-US">Automobile</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableAutomobile" xlink:to="kffb_LoansAndLeasesReceivableAutomobile_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableUnsecured" xlink:href="kffb-20200630.xsd#kffb_LoansAndLeasesReceivableUnsecured"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableUnsecured_lbl" xml:lang="en-US">Unsecured</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableUnsecured" xlink:to="kffb_LoansAndLeasesReceivableUnsecured_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" xml:lang="en-US">Loans receivable, gross</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl0" xml:lang="en-US">Total</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock_lbl" xml:lang="en-US">Schedule of allowance for loan losses and the recorded investment in loans by portfolio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock" xlink:to="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract" xlink:href="kffb-20200630.xsd#kffb_LoansIndividuallyEvaluatedForImpairmentAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract_lbl" xml:lang="en-US">Loans individually evaluated for impairment:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract" xlink:to="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract0" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract0_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0" xlink:to="kffb_ResidentialRealEstateAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansIndividuallyEvaluated" xlink:href="kffb-20200630.xsd#kffb_LoansIndividuallyEvaluated"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansIndividuallyEvaluated_lbl" xml:lang="en-US">Loans individually evaluated</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansIndividuallyEvaluated" xlink:to="kffb_LoansIndividuallyEvaluated_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAcquiredWithDeterioratedCreditQuality" xlink:href="kffb-20200630.xsd#kffb_LoansAcquiredWithDeterioratedCreditQuality"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAcquiredWithDeterioratedCreditQuality_lbl" xml:lang="en-US">Loans acquired with deteriorated credit quality</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAcquiredWithDeterioratedCreditQuality" xlink:to="kffb_LoansAcquiredWithDeterioratedCreditQuality_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_EndingLoansBalance" xlink:href="kffb-20200630.xsd#kffb_EndingLoansBalance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_EndingLoansBalance_lbl" xml:lang="en-US">Ending loans balance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EndingLoansBalance" xlink:to="kffb_EndingLoansBalance_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_EndingAllowanceAttributedToLoans" xlink:href="kffb-20200630.xsd#kffb_EndingAllowanceAttributedToLoans"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_EndingAllowanceAttributedToLoans_lbl" xml:lang="en-US">Ending allowance attributed to loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EndingAllowanceAttributedToLoans" xlink:to="kffb_EndingAllowanceAttributedToLoans_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_UnallocatedAllowance" xlink:href="kffb-20200630.xsd#kffb_UnallocatedAllowance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnallocatedAllowance_lbl" xml:lang="en-US">Unallocated allowance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnallocatedAllowance" xlink:to="kffb_UnallocatedAllowance_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment" xlink:href="kffb-20200630.xsd#kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment_lbl" xml:lang="en-US">Total allowance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment" xlink:to="kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract" xlink:href="kffb-20200630.xsd#kffb_LoansCollectivelyEvaluatedForImpairmentAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract_lbl" xml:lang="en-US">Loans collectively evaluated for impairment:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract" xlink:to="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract00" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract00"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract00_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract00" xlink:to="kffb_ResidentialRealEstateAbstract00_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract0" xlink:href="kffb-20200630.xsd#kffb_ConsumerAndOtherAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract0_lbl" xml:lang="en-US">Consumer and other</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract0" xlink:to="kffb_ConsumerAndOtherAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract0" xlink:href="kffb-20200630.xsd#kffb_LoansIndividuallyEvaluatedForImpairmentAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract0_lbl" xml:lang="en-US">Loans individually evaluated for impairment:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract0" xlink:to="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract000" xlink:to="kffb_ResidentialRealEstateAbstract000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0" xlink:href="kffb-20200630.xsd#kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0_lbl" xml:lang="en-US">Loans collectively evaluated for impairment:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0" xlink:to="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract0000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract0000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract0000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0000" xlink:to="kffb_ResidentialRealEstateAbstract0000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract00" xlink:href="kffb-20200630.xsd#kffb_ConsumerAndOtherAbstract00"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract00_lbl" xml:lang="en-US">Consumer and other</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract00" xlink:to="kffb_ConsumerAndOtherAbstract00_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Schedule of impaired loans by class of loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:to="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_WithNoRelatedAllowanceRecordedAbstract" xlink:href="kffb-20200630.xsd#kffb_WithNoRelatedAllowanceRecordedAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_WithNoRelatedAllowanceRecordedAbstract_lbl" xml:lang="en-US">With no related allowance recorded:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_WithNoRelatedAllowanceRecordedAbstract" xlink:to="kffb_WithNoRelatedAllowanceRecordedAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract00000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract00000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract00000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract00000" xlink:to="kffb_ResidentialRealEstateAbstract00000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_UnpaidPrincipalBalanceAndRecordedInvestment" xlink:href="kffb-20200630.xsd#kffb_UnpaidPrincipalBalanceAndRecordedInvestment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnpaidPrincipalBalanceAndRecordedInvestment_lbl" xml:lang="en-US">Unpaid Principal Balance and Recorded Investment, With no related allowance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnpaidPrincipalBalanceAndRecordedInvestment" xlink:to="kffb_UnpaidPrincipalBalanceAndRecordedInvestment_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1" xlink:href="kffb-20200630.xsd#kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1_lbl" xml:lang="en-US">Allowance for Loan Losses Allocated, With no related allowance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1" xlink:to="kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_lbl" xml:lang="en-US">Average Recorded Investment, With no related allowance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment" xlink:to="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_lbl" xml:lang="en-US">Interest Income Recognized, With no related allowance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod" xlink:to="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_lbl" xml:lang="en-US">Cash Basis Income Recognized, With no related allowance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:to="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_WithNoRelatedAllowanceRecordedAbstract0" xlink:href="kffb-20200630.xsd#kffb_WithNoRelatedAllowanceRecordedAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_WithNoRelatedAllowanceRecordedAbstract0_lbl" xml:lang="en-US">With no related allowance recorded:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_WithNoRelatedAllowanceRecordedAbstract0" xlink:to="kffb_WithNoRelatedAllowanceRecordedAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract000000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract000000" xlink:to="kffb_ResidentialRealEstateAbstract000000_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Schedule of principal balance outstanding in past due loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:to="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract0000000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract0000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract0000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0000000" xlink:to="kffb_ResidentialRealEstateAbstract0000000_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_lbl" xml:lang="en-US">Nonaccrual</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_lbl0" xml:lang="en-US">Nonaccrual loan</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" xml:lang="en-US">Loans Past Due Over 90 Days Still Accruing</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:to="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Schedule of principal balance outstanding in past due loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:to="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract00000000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract00000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract00000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract00000000" xlink:to="kffb_ResidentialRealEstateAbstract00000000_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl" xml:lang="en-US">Total Past Due</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl0" xml:lang="en-US">Total past due</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl" xml:lang="en-US">Loans Not Past Due</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract000" xlink:href="kffb-20200630.xsd#kffb_ConsumerAndOtherAbstract000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract000_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract000" xlink:to="kffb_ConsumerAndOtherAbstract000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract000000000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract000000000" xlink:to="kffb_ResidentialRealEstateAbstract000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract0000" xlink:href="kffb-20200630.xsd#kffb_ConsumerAndOtherAbstract0000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract0000_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract0000" xlink:to="kffb_ConsumerAndOtherAbstract0000_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_lbl" xml:lang="en-US">Schedule of analysis performed, the risk category of loans by class of loansass of loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:to="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract0000000000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract0000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract0000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0000000000" xlink:to="kffb_ResidentialRealEstateAbstract0000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeaseReceivableGrossCarryingAmount" xlink:href="kffb-20200630.xsd#kffb_LoansAndLeaseReceivableGrossCarryingAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeaseReceivableGrossCarryingAmount_lbl" xml:lang="en-US">Loans receivable, gross</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeaseReceivableGrossCarryingAmount" xlink:to="kffb_LoansAndLeaseReceivableGrossCarryingAmount_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract00000" xlink:href="kffb-20200630.xsd#kffb_ConsumerAndOtherAbstract00000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract00000_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract00000" xlink:to="kffb_ConsumerAndOtherAbstract00000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract00000000000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract00000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract00000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract00000000000" xlink:to="kffb_ResidentialRealEstateAbstract00000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract000000" xlink:href="kffb-20200630.xsd#kffb_ConsumerAndOtherAbstract000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract000000_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract000000" xlink:to="kffb_ConsumerAndOtherAbstract000000_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Schedule of allowance for loan losses by portfolio segment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:to="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract000000000000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract000000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract000000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract000000000000" xlink:to="kffb_ResidentialRealEstateAbstract000000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for loan losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanAndLeaseLosses" xlink:to="us-gaap_ProvisionForLoanAndLeaseLosses_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl" xml:lang="en-US">Loans charged off</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_lbl" xml:lang="en-US">Recoveries</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract0000000" xlink:href="kffb-20200630.xsd#kffb_ConsumerAndOtherAbstract0000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract0000000_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract0000000" xlink:to="kffb_ConsumerAndOtherAbstract0000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract0000000000000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract0000000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract0000000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0000000000000" xlink:to="kffb_ResidentialRealEstateAbstract0000000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract00000000" xlink:href="kffb-20200630.xsd#kffb_ConsumerAndOtherAbstract00000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract00000000_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract00000000" xlink:to="kffb_ConsumerAndOtherAbstract00000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock" xlink:href="kffb-20200630.xsd#kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock_lbl" xml:lang="en-US">Schedule of purchased credit impaired loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock" xlink:to="kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract00000000000000" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateAbstract00000000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract00000000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract00000000000000" xlink:to="kffb_ResidentialRealEstateAbstract00000000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesOutstandingBalance" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesOutstandingBalance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesOutstandingBalance_lbl" xml:lang="en-US">One- to four-family residential real estate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesOutstandingBalance" xlink:to="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesOutstandingBalance_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock" xlink:href="kffb-20200630.xsd#kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock_lbl" xml:lang="en-US">Schedule of accretable yield, or income expected to be collected</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock" xlink:to="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DebtDisclosureTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtDisclosureTextBlock_lbl" xml:lang="en-US">REAL ESTATE OWNED</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtDisclosureTextBlock" xlink:to="us-gaap_DebtDisclosureTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherRealEstateRollForwardTableTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherRealEstateRollForwardTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherRealEstateRollForwardTableTextBlock_lbl" xml:lang="en-US">Schedule of activity in real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateRollForwardTableTextBlock" xlink:to="us-gaap_OtherRealEstateRollForwardTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherRealEstateImprovements" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherRealEstateImprovements"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherRealEstateImprovements_lbl" xml:lang="en-US">Loans transferred to real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateImprovements" xlink:to="us-gaap_OtherRealEstateImprovements_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherRealEstateAdditions" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherRealEstateAdditions"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherRealEstateAdditions_lbl" xml:lang="en-US">Capitalized expenditures</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateAdditions" xlink:to="us-gaap_OtherRealEstateAdditions_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_lbl" xml:lang="en-US">PREMISES AND EQUIPMENT</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentTextBlock_lbl" xml:lang="en-US">Schedule of premises and equipment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_Land" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Land"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Land_lbl" xml:lang="en-US">Land</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Land" xlink:to="us-gaap_Land_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_BuildingsAndImprovementsGross" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BuildingsAndImprovementsGross"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BuildingsAndImprovementsGross_lbl" xml:lang="en-US">Buildings and improvements</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BuildingsAndImprovementsGross" xlink:to="us-gaap_BuildingsAndImprovementsGross_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FurnitureAndFixturesGross" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FurnitureAndFixturesGross"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FurnitureAndFixturesGross_lbl" xml:lang="en-US">Furniture and equipment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FurnitureAndFixturesGross" xlink:to="us-gaap_FurnitureAndFixturesGross_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PropertyPlantAndEquipmentOther" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentOther"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentOther_lbl" xml:lang="en-US">Automobiles</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentOther" xlink:to="us-gaap_PropertyPlantAndEquipmentOther_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xml:lang="en-US">Less: accumulated depreciation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_lbl" xml:lang="en-US">GOODWILL</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:to="us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl" xml:lang="en-US">DEPOSITS</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:to="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfDepositLiabilitiesDisclosuresTableTextBlock" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfDepositLiabilitiesDisclosuresTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ScheduleOfDepositLiabilitiesDisclosuresTableTextBlock_lbl" xml:lang="en-US">Schedule of deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfDepositLiabilitiesDisclosuresTableTextBlock" xlink:to="kffb_ScheduleOfDepositLiabilitiesDisclosuresTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NoninterestBearingDomesticDepositChecking" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NoninterestBearingDomesticDepositChecking"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestBearingDomesticDepositChecking_lbl" xml:lang="en-US">Non-interest bearing checking accounts</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestBearingDomesticDepositChecking" xlink:to="us-gaap_NoninterestBearingDomesticDepositChecking_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestBearingDomesticDepositChecking" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InterestBearingDomesticDepositChecking"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestBearingDomesticDepositChecking_lbl" xml:lang="en-US">Checking accounts</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestBearingDomesticDepositChecking" xlink:to="us-gaap_InterestBearingDomesticDepositChecking_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DepositsSavingsDeposits" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DepositsSavingsDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DepositsSavingsDeposits_lbl" xml:lang="en-US">Savings accounts</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsSavingsDeposits" xlink:to="us-gaap_DepositsSavingsDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DepositsMoneyMarketDeposits" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DepositsMoneyMarketDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DepositsMoneyMarketDeposits_lbl" xml:lang="en-US">Money market demand deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsMoneyMarketDeposits" xlink:to="us-gaap_DepositsMoneyMarketDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock" xlink:href="kffb-20200630.xsd#kffb_ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock_lbl" xml:lang="en-US">Schedule of maturities of outstanding certificates of deposit</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock" xlink:to="kffb_ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TimeDepositMaturitiesYearOne" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDepositMaturitiesYearOne_lbl" xml:lang="en-US">2021</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearOne" xlink:to="us-gaap_TimeDepositMaturitiesYearOne_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TimeDepositMaturitiesYearTwo" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDepositMaturitiesYearTwo_lbl" xml:lang="en-US">2022</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearTwo" xlink:to="us-gaap_TimeDepositMaturitiesYearTwo_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TimeDepositMaturitiesYearThree" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDepositMaturitiesYearThree_lbl" xml:lang="en-US">2023</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearThree" xlink:to="us-gaap_TimeDepositMaturitiesYearThree_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TimeDepositMaturitiesYearFour" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDepositMaturitiesYearFour_lbl" xml:lang="en-US">2024</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesYearFour" xlink:to="us-gaap_TimeDepositMaturitiesYearFour_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDepositMaturitiesAfterYearFive_lbl" xml:lang="en-US">2025 and thereafter</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:to="us-gaap_TimeDepositMaturitiesAfterYearFive_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesTextBlock_lbl" xml:lang="en-US">ADVANCES FROM THE FEDERAL HOME LOAN BANK</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesTextBlock" xlink:to="us-gaap_FederalHomeLoanBankAdvancesTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesTableTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesTableTextBlock_lbl" xml:lang="en-US">Schedule of advances from the federal home loan bank</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesTableTextBlock" xlink:to="us-gaap_FederalHomeLoanBankAdvancesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_lbl" xml:lang="en-US">2021</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:to="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_lbl" xml:lang="en-US">2022</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:to="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_lbl" xml:lang="en-US">2023</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:to="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_lbl" xml:lang="en-US">2024</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" xlink:to="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_lbl" xml:lang="en-US">2025</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:to="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate" xlink:href="kffb-20200630.xsd#kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate_lbl" xml:lang="en-US">2026</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate" xlink:to="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate" xlink:href="kffb-20200630.xsd#kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate_lbl" xml:lang="en-US">2027</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate" xlink:to="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate" xlink:href="kffb-20200630.xsd#kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate_lbl" xml:lang="en-US">2028-2032</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate" xlink:to="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncomeTaxDisclosureTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxDisclosureTextBlock_lbl" xml:lang="en-US">FEDERAL INCOME TAXES</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxDisclosureTextBlock" xlink:to="us-gaap_IncomeTaxDisclosureTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_lbl" xml:lang="en-US">Schedule of federal income taxes on earnings differs from that computed at the statutory corporate tax rate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:to="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_lbl" xml:lang="en-US">Federal income taxes at the statutory rate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:to="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_IncreaseDecreaseResultingPrimarilyFromAbstract" xlink:href="kffb-20200630.xsd#kffb_IncreaseDecreaseResultingPrimarilyFromAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_IncreaseDecreaseResultingPrimarilyFromAbstract_lbl" xml:lang="en-US">Increase (decrease) resulting primarily from:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncreaseDecreaseResultingPrimarilyFromAbstract" xlink:to="kffb_IncreaseDecreaseResultingPrimarilyFromAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CashSurrenderValueOfLifeInsurances" xlink:href="kffb-20200630.xsd#kffb_CashSurrenderValueOfLifeInsurances"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CashSurrenderValueOfLifeInsurances_lbl" xml:lang="en-US">Cash surrender value of life insurance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CashSurrenderValueOfLifeInsurances" xlink:to="kffb_CashSurrenderValueOfLifeInsurances_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1" xlink:href="kffb-20200630.xsd#kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1_lbl" xml:lang="en-US">Deferred tax liability adjustment, net, resulting from Kentucky tax legislation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1" xlink:to="kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_GoodwillImpairmentsLoss" xlink:href="kffb-20200630.xsd#kffb_GoodwillImpairmentsLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_GoodwillImpairmentsLoss_lbl" xml:lang="en-US">Goodwill impairment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_GoodwillImpairmentsLoss" xlink:to="kffb_GoodwillImpairmentsLoss_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncomeTaxReconciliationOtherReconcilingItems" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxReconciliationOtherReconcilingItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxReconciliationOtherReconcilingItems_lbl" xml:lang="en-US">Other</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxReconciliationOtherReconcilingItems" xlink:to="us-gaap_IncomeTaxReconciliationOtherReconcilingItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_lbl" xml:lang="en-US">Schedule of composition of the company&apos;s net deferred tax liability</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:to="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TaxesPayableRefundableOnTemporaryDifferencesAtEstimatedCorporateTaxRateAbstract" xlink:href="kffb-20200630.xsd#kffb_TaxesPayableRefundableOnTemporaryDifferencesAtEstimatedCorporateTaxRateAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TaxesPayableRefundableOnTemporaryDifferencesAtEstimatedCorporateTaxRateAbstract_lbl" xml:lang="en-US">Taxes (payable refundable on temporary differences at estimated corporate tax rate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TaxesPayableRefundableOnTemporaryDifferencesAtEstimatedCorporateTaxRateAbstract" xlink:to="kffb_TaxesPayableRefundableOnTemporaryDifferencesAtEstimatedCorporateTaxRateAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DeferredTaxAssetsAbstract" xlink:href="kffb-20200630.xsd#kffb_DeferredTaxAssetsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_DeferredTaxAssetsAbstract_lbl" xml:lang="en-US">Deferred tax assets:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxAssetsAbstract" xlink:to="kffb_DeferredTaxAssetsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_lbl" xml:lang="en-US">General loan loss allowance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:to="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_lbl" xml:lang="en-US">Accrued expenses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" xlink:to="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition" xlink:href="kffb-20200630.xsd#kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition_lbl" xml:lang="en-US">Fair value accounting adjustments on acquisition</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition" xlink:to="kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DeferredTaxAssetsNonaccuredInterestOnLoans" xlink:href="kffb-20200630.xsd#kffb_DeferredTaxAssetsNonaccuredInterestOnLoans"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_DeferredTaxAssetsNonaccuredInterestOnLoans_lbl" xml:lang="en-US">Nonaccrued interest on loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxAssetsNonaccuredInterestOnLoans" xlink:to="kffb_DeferredTaxAssetsNonaccuredInterestOnLoans_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments" xlink:href="kffb-20200630.xsd#kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments_lbl" xml:lang="en-US">Other real estate owned adjustments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments" xlink:to="kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment_lbl" xml:lang="en-US">Depreciation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:to="us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredTaxAssetsCharitableContributionCarryforwards" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsCharitableContributionCarryforwards"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredTaxAssetsCharitableContributionCarryforwards_lbl" xml:lang="en-US">Charitable contributions</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsCharitableContributionCarryforwards" xlink:to="us-gaap_DeferredTaxAssetsCharitableContributionCarryforwards_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal_lbl" xml:lang="en-US">State net operating loss carryforward</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal" xlink:to="us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredTaxAssetsGross" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsGross"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredTaxAssetsGross_lbl" xml:lang="en-US">Total deferred tax assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsGross" xlink:to="us-gaap_DeferredTaxAssetsGross_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredTaxLiabilitiesAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxLiabilitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredTaxLiabilitiesAbstract_lbl" xml:lang="en-US">Deferred tax liabilities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxLiabilitiesAbstract" xlink:to="us-gaap_DeferredTaxLiabilitiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommitmentsDisclosureTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommitmentsDisclosureTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommitmentsDisclosureTextBlock_lbl" xml:lang="en-US">LOAN COMMITMENTS</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsDisclosureTextBlock" xlink:to="us-gaap_CommitmentsDisclosureTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_UnusedCommitmentsTableTextBlock" xlink:href="kffb-20200630.xsd#kffb_UnusedCommitmentsTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnusedCommitmentsTableTextBlock_lbl" xml:lang="en-US">Schedule of outstanding loan commitments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnusedCommitmentsTableTextBlock" xlink:to="kffb_UnusedCommitmentsTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_UnusedCommitmentAbstract" xlink:href="kffb-20200630.xsd#kffb_UnusedCommitmentAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnusedCommitmentAbstract_lbl" xml:lang="en-US">Unused commitment:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnusedCommitmentAbstract" xlink:to="kffb_UnusedCommitmentAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_UnusedCommitmentsToExtendCredit" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UnusedCommitmentsToExtendCredit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_UnusedCommitmentsToExtendCredit_lbl" xml:lang="en-US">Outstanding loan commitments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnusedCommitmentsToExtendCredit" xlink:to="us-gaap_UnusedCommitmentsToExtendCredit_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OtherUnusedCommitmentAbstract" xlink:href="kffb-20200630.xsd#kffb_OtherUnusedCommitmentAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OtherUnusedCommitmentAbstract_lbl" xml:lang="en-US">Other unused commitment:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OtherUnusedCommitmentAbstract" xlink:to="kffb_OtherUnusedCommitmentAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl" xml:lang="en-US">STOCKHOLDERS&apos; EQUITY AND REGULATORY CAPITAL</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:to="us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RegulatoryCapitalTableTextBlock" xlink:href="kffb-20200630.xsd#kffb_RegulatoryCapitalTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RegulatoryCapitalTableTextBlock_lbl" xml:lang="en-US">Schedule of regulatory capitals</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RegulatoryCapitalTableTextBlock" xlink:to="kffb_RegulatoryCapitalTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RiskBasedCapitalAbstract" xlink:href="kffb-20200630.xsd#kffb_RiskBasedCapitalAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RiskBasedCapitalAbstract_lbl" xml:lang="en-US">Risk-based capital:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RiskBasedCapitalAbstract" xlink:to="kffb_RiskBasedCapitalAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TierOneCommonEquityCapital" xlink:href="kffb-20200630.xsd#kffb_TierOneCommonEquityCapital"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TierOneCommonEquityCapital_lbl" xml:lang="en-US">Common Equity Tier 1 capital ratio, Actual Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TierOneCommonEquityCapital" xlink:to="kffb_TierOneCommonEquityCapital_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TierOneCommonEquityCapitalToAverageAssetsRatio" xlink:href="kffb-20200630.xsd#kffb_TierOneCommonEquityCapitalToAverageAssetsRatio"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TierOneCommonEquityCapitalToAverageAssetsRatio_lbl" xml:lang="en-US">Common Equity Tier 1 capital ratio, Actual Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TierOneCommonEquityCapitalToAverageAssetsRatio" xlink:to="kffb_TierOneCommonEquityCapitalToAverageAssetsRatio_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TierOneCommonEquityRequiredForCapitalAdequacy" xlink:href="kffb-20200630.xsd#kffb_TierOneCommonEquityRequiredForCapitalAdequacy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TierOneCommonEquityRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Minimum Requirement For Capital Adequacy Purposes Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TierOneCommonEquityRequiredForCapitalAdequacy" xlink:to="kffb_TierOneCommonEquityRequiredForCapitalAdequacy_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kffb_TierOneCommonEquityRequiredForCapitalAdequacy_lbl0" xml:lang="en-US">Common Equity Tier 1 capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TierOneCommonEquityRequiredForCapitalAdequacy" xlink:to="kffb_TierOneCommonEquityRequiredForCapitalAdequacy_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_MinimumRequirementForCapitalAdequacyPurposesRatio" xlink:href="kffb-20200630.xsd#kffb_MinimumRequirementForCapitalAdequacyPurposesRatio"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_MinimumRequirementForCapitalAdequacyPurposesRatio_lbl" xml:lang="en-US">Minimum Requirement For Capital Adequacy Purposes Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_MinimumRequirementForCapitalAdequacyPurposesRatio" xlink:to="kffb_MinimumRequirementForCapitalAdequacyPurposesRatio_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LeverageCapitalAbstract" xlink:href="kffb-20200630.xsd#kffb_LeverageCapitalAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LeverageCapitalAbstract_lbl" xml:lang="en-US">Leverage capital:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LeverageCapitalAbstract" xlink:to="kffb_LeverageCapitalAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CommunityBankLeverageRatioAbstract" xlink:href="kffb-20200630.xsd#kffb_CommunityBankLeverageRatioAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CommunityBankLeverageRatioAbstract_lbl" xml:lang="en-US">Community Bank Leverage Ratio:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CommunityBankLeverageRatioAbstract" xlink:to="kffb_CommunityBankLeverageRatioAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl" xml:lang="en-US">Schedule of minimum capital ratios</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:to="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RiskBasedCapitalAbstract0" xlink:href="kffb-20200630.xsd#kffb_RiskBasedCapitalAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RiskBasedCapitalAbstract0_lbl" xml:lang="en-US">Risk-based capital:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RiskBasedCapitalAbstract0" xlink:to="kffb_RiskBasedCapitalAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CommonEquityTier1CapitalRatioAbstract" xlink:href="kffb-20200630.xsd#kffb_CommonEquityTier1CapitalRatioAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CommonEquityTier1CapitalRatioAbstract_lbl" xml:lang="en-US">Common Equity Tier 1 capital ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CommonEquityTier1CapitalRatioAbstract" xlink:to="kffb_CommonEquityTier1CapitalRatioAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio" xlink:href="kffb-20200630.xsd#kffb_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio_lbl" xml:lang="en-US">Common Equity Tier 1 capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio" xlink:to="kffb_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RiskBasedCommonEquityRequiredToBeWellCapitalized" xlink:href="kffb-20200630.xsd#kffb_RiskBasedCommonEquityRequiredToBeWellCapitalized"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RiskBasedCommonEquityRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Common Equity Tier 1 capital ratio, Minimum Requirement To be &quot;Well- Capitalized&quot; Under Prompt Corrective Action Provisions Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RiskBasedCommonEquityRequiredToBeWellCapitalized" xlink:to="kffb_RiskBasedCommonEquityRequiredToBeWellCapitalized_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio" xlink:href="kffb-20200630.xsd#kffb_RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio_lbl" xml:lang="en-US">Common Equity Tier 1 capital ratio, Minimum Requirement To be &quot;Well- Capitalized&quot; Under Prompt Corrective Action Provisions Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio" xlink:to="kffb_RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_Tier1CoreCapitalRatioAbstract" xlink:href="kffb-20200630.xsd#kffb_Tier1CoreCapitalRatioAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_Tier1CoreCapitalRatioAbstract_lbl" xml:lang="en-US">Tier 1 (core) capital ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_Tier1CoreCapitalRatioAbstract" xlink:to="kffb_Tier1CoreCapitalRatioAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TierOneRiskBasedCapital" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneRiskBasedCapital"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneRiskBasedCapital_lbl" xml:lang="en-US">Tier 1 (core) capital ratio, Actual Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapital" xlink:to="us-gaap_TierOneRiskBasedCapital_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Tier 1 (core) capital ratio, Actual Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl0" xml:lang="en-US">Tier 1 risk-based capital ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Tier 1 (core) capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:href="kffb-20200630.xsd#kffb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets_lbl" xml:lang="en-US">Tier 1 (core) capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:to="kffb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tier 1 (core) capital ratio, Minimum Requirement To be &quot;Well- Capitalized&quot; Under Prompt Corrective Action Provisions Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US">Tier 1 (core) capital ratio, Minimum Requirement To be &quot;Well- Capitalized&quot; Under Prompt Corrective Action Provisions Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl0" xml:lang="en-US">Common equity Tier 1 risk-based capital ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_TotalCapitalRatioAbstract" xlink:href="kffb-20200630.xsd#kffb_TotalCapitalRatioAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TotalCapitalRatioAbstract_lbl" xml:lang="en-US">Total capital ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TotalCapitalRatioAbstract" xlink:to="kffb_TotalCapitalRatioAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TierOneRiskBaseCapital" xlink:href="kffb-20200630.xsd#kffb_TierOneRiskBaseCapital"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TierOneRiskBaseCapital_lbl" xml:lang="en-US">Total capital ratio, Actual Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TierOneRiskBaseCapital" xlink:to="kffb_TierOneRiskBaseCapital_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RiskBasedCapitalToRiskWeightedAssets" xlink:href="kffb-20200630.xsd#kffb_RiskBasedCapitalToRiskWeightedAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RiskBasedCapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Total capital ratio, Actual Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RiskBasedCapitalToRiskWeightedAssets" xlink:to="kffb_RiskBasedCapitalToRiskWeightedAssets_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RiskBasedCapitalRequiredForCapitalAdequacy" xlink:href="kffb-20200630.xsd#kffb_RiskBasedCapitalRequiredForCapitalAdequacy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RiskBasedCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Total capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RiskBasedCapitalRequiredForCapitalAdequacy" xlink:to="kffb_RiskBasedCapitalRequiredForCapitalAdequacy_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio" xlink:href="kffb-20200630.xsd#kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio_lbl" xml:lang="en-US">Total capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio" xlink:to="kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RiskBasedCapitalRequiredToBeWellCapitalized" xlink:href="kffb-20200630.xsd#kffb_RiskBasedCapitalRequiredToBeWellCapitalized"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RiskBasedCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Total capital ratio, Minimum Requirement To be &quot;Well- Capitalized&quot; Under Prompt Corrective Action Provisions Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RiskBasedCapitalRequiredToBeWellCapitalized" xlink:to="kffb_RiskBasedCapitalRequiredToBeWellCapitalized_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TotalCapitalRatioMinimumRequirementToBeWellCapitalizedUnderPromptCorrectiveActio" xlink:href="kffb-20200630.xsd#kffb_TotalCapitalRatioMinimumRequirementToBeWellCapitalizedUnderPromptCorrectiveActio"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TotalCapitalRatioMinimumRequirementToBeWellCapitalizedUnderPromptCorrectiveActio_lbl" xml:lang="en-US">Total capital ratio, Minimum Requirement To be &quot;Well- Capitalized&quot; Under Prompt Corrective Action Provisions Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TotalCapitalRatioMinimumRequirementToBeWellCapitalizedUnderPromptCorrectiveActio" xlink:to="kffb_TotalCapitalRatioMinimumRequirementToBeWellCapitalizedUnderPromptCorrectiveActio_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LeverageCapitalAbstract0" xlink:href="kffb-20200630.xsd#kffb_LeverageCapitalAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LeverageCapitalAbstract0_lbl" xml:lang="en-US">Leverage capital:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LeverageCapitalAbstract0" xlink:to="kffb_LeverageCapitalAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_Tier1LeverageCapitalToAverageAssetsAbstract" xlink:href="kffb-20200630.xsd#kffb_Tier1LeverageCapitalToAverageAssetsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_Tier1LeverageCapitalToAverageAssetsAbstract_lbl" xml:lang="en-US">Tier 1 leverage capital to average assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_Tier1LeverageCapitalToAverageAssetsAbstract" xlink:to="kffb_Tier1LeverageCapitalToAverageAssetsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TierOneLeverageCapital" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneLeverageCapital"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapital_lbl" xml:lang="en-US">Tier 1 leverage capital to average assets, Actual Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapital" xlink:to="us-gaap_TierOneLeverageCapital_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" xml:lang="en-US">Tier 1 leverage capital to average assets, Actual Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl0" xml:lang="en-US">Tier 1 leverage ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Tier 1 leverage capital to average assets, Minimum Requirement For Capital Adequacy Purposes Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl" xml:lang="en-US">Tier 1 leverage capital to average assets, Minimum Requirement For Capital Adequacy Purposes Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tier 1 leverage capital to average assets, Minimum Requirement To be &quot;Well- Capitalized&quot; Under Prompt Corrective Action Provisions Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl" xml:lang="en-US">Tier 1 leverage capital to average assets, Minimum Requirement To be &quot;Well- Capitalized&quot; Under Prompt Corrective Action Provisions Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_lbl" xml:lang="en-US">CONDENSED FINANCIAL STATEMENTS OF KENTUCKY FIRST FEDERAL BANCORP</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:to="us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_ScheduleOfCondensedBalanceSheetTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_ScheduleOfCondensedBalanceSheetTableTextBlock_lbl" xml:lang="en-US">Schedule of Balance Sheets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:to="srt_ScheduleOfCondensedBalanceSheetTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AssetsAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AssetsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AssetsAbstract_lbl" xml:lang="en-US">ASSETS</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsAbstract" xlink:to="us-gaap_AssetsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_InterestbearingDeposits" xlink:href="kffb-20200630.xsd#kffb_InterestbearingDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_InterestbearingDeposits_lbl" xml:lang="en-US">Interest-bearing deposits in First Federal of Hazard</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InterestbearingDeposits" xlink:to="kffb_InterestbearingDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OtherInterestbearingDeposit" xlink:href="kffb-20200630.xsd#kffb_OtherInterestbearingDeposit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OtherInterestbearingDeposit_lbl" xml:lang="en-US">Other interest-bearing deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OtherInterestbearingDeposit" xlink:to="kffb_OtherInterestbearingDeposit_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_Investments" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Investments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Investments_lbl" xml:lang="en-US">Investment in First Federal of Hazard</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Investments" xlink:to="us-gaap_Investments_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_InvestmentInFrankfortFirst" xlink:href="kffb-20200630.xsd#kffb_InvestmentInFrankfortFirst"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_InvestmentInFrankfortFirst_lbl" xml:lang="en-US">Investment in Frankfort First</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InvestmentInFrankfortFirst" xlink:to="kffb_InvestmentInFrankfortFirst_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LiabilitiesAndShareholdersEquityAbstract0" xlink:href="kffb-20200630.xsd#kffb_LiabilitiesAndShareholdersEquityAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LiabilitiesAndShareholdersEquityAbstract0_lbl" xml:lang="en-US">LIABILITIES AND SHAREHOLDERS&#8217; EQUITY</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LiabilitiesAndShareholdersEquityAbstract0" xlink:to="kffb_LiabilitiesAndShareholdersEquityAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccountsPayableAndOtherAccruedLiabilities_lbl" xml:lang="en-US">Accounts payable and other liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:to="us-gaap_AccountsPayableAndOtherAccruedLiabilities_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_ScheduleOfCondensedIncomeStatementTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_ScheduleOfCondensedIncomeStatementTableTextBlock_lbl" xml:lang="en-US">Schedule of Statements of Income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:to="srt_ScheduleOfCondensedIncomeStatementTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_IncomeAbstract" xlink:href="kffb-20200630.xsd#kffb_IncomeAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_IncomeAbstract_lbl" xml:lang="en-US">Income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncomeAbstract" xlink:to="kffb_IncomeAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DividendsCash" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DividendsCash"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DividendsCash_lbl" xml:lang="en-US">Dividends</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsCash" xlink:to="us-gaap_DividendsCash_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_UndistributedEarnings" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UndistributedEarnings"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_UndistributedEarnings_lbl" xml:lang="en-US">Equity in undistributed earnings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UndistributedEarnings" xlink:to="us-gaap_UndistributedEarnings_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OtherComprehensiveLossIncomeNetOfTaxRelatedEffectsAbstract0" xlink:href="kffb-20200630.xsd#kffb_OtherComprehensiveLossIncomeNetOfTaxRelatedEffectsAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OtherComprehensiveLossIncomeNetOfTaxRelatedEffectsAbstract0_lbl" xml:lang="en-US">Other comprehensive (loss) income, net of tax-related effects:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OtherComprehensiveLossIncomeNetOfTaxRelatedEffectsAbstract0" xlink:to="kffb_OtherComprehensiveLossIncomeNetOfTaxRelatedEffectsAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_ScheduleOfCondensedCashFlowStatementTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_lbl" xml:lang="en-US">Schedule of Statements of Cash Flows</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:to="srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_lbl" xml:lang="en-US">Cash flows from operating activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AdjustmentsRelatedToSubsidiaries" xlink:href="kffb-20200630.xsd#kffb_AdjustmentsRelatedToSubsidiaries"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AdjustmentsRelatedToSubsidiaries_lbl" xml:lang="en-US">Excess (deficit) distributions over earnings (undistributed earnings) from consolidated subsidiaries</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AdjustmentsRelatedToSubsidiaries" xlink:to="kffb_AdjustmentsRelatedToSubsidiaries_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_lbl" xml:lang="en-US">Net cash provided by operating activities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_lbl" xml:lang="en-US">Cash flows from financing activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_lbl" xml:lang="en-US">Net cash used in financing activities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_lbl" xml:lang="en-US">Net increase (decrease) in cash and cash equivalents</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion_lbl" xml:lang="en-US">Accretion of income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion" xlink:to="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherRealEstateValuationAdjustments" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherRealEstateValuationAdjustments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_OtherRealEstateValuationAdjustments_lbl" xml:lang="en-US">Valuation adjustments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateValuationAdjustments" xlink:to="us-gaap_OtherRealEstateValuationAdjustments_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherRealEstateDisposals" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherRealEstateDisposals"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_OtherRealEstateDisposals_lbl" xml:lang="en-US">Disposals</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateDisposals" xlink:to="us-gaap_OtherRealEstateDisposals_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" xlink:href="kffb-20200630.xsd#kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl" xml:lang="en-US">Federal Home Loan Bank stock dividends</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" xlink:to="kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DeferredTaxLiabilitiesDeferredLoanOriginationCosts" xlink:href="kffb-20200630.xsd#kffb_DeferredTaxLiabilitiesDeferredLoanOriginationCosts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_DeferredTaxLiabilitiesDeferredLoanOriginationCosts_lbl" xml:lang="en-US">Deferred loan origination costs</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxLiabilitiesDeferredLoanOriginationCosts" xlink:to="kffb_DeferredTaxLiabilitiesDeferredLoanOriginationCosts_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxLiabilitiesMortgageServicingRights"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl" xml:lang="en-US">Loan servicing rights</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights" xlink:to="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment" xlink:href="kffb-20200630.xsd#kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment_lbl" xml:lang="en-US">Accrual to cash adjustment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment" xlink:to="kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FairValueAccountingAdjustmentOnAcquisition" xlink:href="kffb-20200630.xsd#kffb_FairValueAccountingAdjustmentOnAcquisition"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_FairValueAccountingAdjustmentOnAcquisition_lbl" xml:lang="en-US">Fair value accounting adjustments on acquisition</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FairValueAccountingAdjustmentOnAcquisition" xlink:to="kffb_FairValueAccountingAdjustmentOnAcquisition_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredIncomeTaxLiabilities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DeferredIncomeTaxLiabilities_lbl" xml:lang="en-US">Total deferred tax liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxLiabilities" xlink:to="us-gaap_DeferredIncomeTaxLiabilities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredTaxLiabilities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DeferredTaxLiabilities_lbl" xml:lang="en-US">Net deferred tax liability</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxLiabilities" xlink:to="us-gaap_DeferredTaxLiabilities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromSaleOfTreasuryStock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleOfTreasuryStock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ProceedsFromSaleOfTreasuryStock_lbl" xml:lang="en-US">Treasury stock purchases</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfTreasuryStock" xlink:to="us-gaap_ProceedsFromSaleOfTreasuryStock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AgencyBondsMember" xlink:href="kffb-20200630.xsd#kffb_AgencyBondsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AgencyBondsMember_lbl" xml:lang="en-US">Agency Bonds [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AgencyBondsMember" xlink:to="kffb_AgencyBondsMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kffb_AgencyBondsMember_lbl0" xml:lang="en-US">Agency bonds [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AgencyBondsMember" xlink:to="kffb_AgencyBondsMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_AgencyMortgagebackedResidentialMember" xlink:href="kffb-20200630.xsd#kffb_AgencyMortgagebackedResidentialMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AgencyMortgagebackedResidentialMember_lbl" xml:lang="en-US">Agency mortgage-backed: residential [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AgencyMortgagebackedResidentialMember" xlink:to="kffb_AgencyMortgagebackedResidentialMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_USTreasurySecuritiesMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_USTreasurySecuritiesMember_lbl" xml:lang="en-US">U.S. Treasury notes [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_USTreasurySecuritiesMember" xlink:to="us-gaap_USTreasurySecuritiesMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_USTreasurySecuritiesMember_lbl0" xml:lang="en-US">U.S. Treasury securities [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_USTreasurySecuritiesMember" xlink:to="us-gaap_USTreasurySecuritiesMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueInputsLevel1Member" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl" xml:lang="en-US">Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel1Member" xlink:to="us-gaap_FairValueInputsLevel1Member_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl0" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel1Member" xlink:to="us-gaap_FairValueInputsLevel1Member_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueInputsLevel2Member" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel2Member_lbl" xml:lang="en-US">Significant Other Observable Inputs (Level 2) [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel2Member" xlink:to="us-gaap_FairValueInputsLevel2Member_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueInputsLevel2Member_lbl0" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel2Member" xlink:to="us-gaap_FairValueInputsLevel2Member_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueInputsLevel3Member" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl" xml:lang="en-US">Significant Unobservable Inputs (Level 3) [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="us-gaap_FairValueInputsLevel3Member_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl0" xml:lang="en-US">Fair Value, Inputs, Level 3 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="us-gaap_FairValueInputsLevel3Member_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateOneToFourFamilyMember" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateOneToFourFamilyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateOneToFourFamilyMember_lbl" xml:lang="en-US">Other real estate owned net one- to four-family [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateOneToFourFamilyMember" xlink:to="kffb_ResidentialRealEstateOneToFourFamilyMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kffb_ResidentialRealEstateOneToFourFamilyMember_lbl0" xml:lang="en-US">Loans One To Four Family [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateOneToFourFamilyMember" xlink:to="kffb_ResidentialRealEstateOneToFourFamilyMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="kffb_ResidentialRealEstateOneToFourFamilyMember_lbl1" xml:lang="en-US">One-to four-family residential real estate [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateOneToFourFamilyMember" xlink:to="kffb_ResidentialRealEstateOneToFourFamilyMember_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ResidentialRealEstateOneToFourFamilyMember_lbl2" xml:lang="en-US">One- to four-family [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateOneToFourFamilyMember" xlink:to="kffb_ResidentialRealEstateOneToFourFamilyMember_lbl2"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansOneToFourFamilyMember" xlink:href="kffb-20200630.xsd#kffb_LoansOneToFourFamilyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansOneToFourFamilyMember_lbl" xml:lang="en-US">Loans One To Four Family [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansOneToFourFamilyMember" xlink:to="kffb_LoansOneToFourFamilyMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansOneMember" xlink:href="kffb-20200630.xsd#kffb_LoansOneMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansOneMember_lbl" xml:lang="en-US">Loans [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansOneMember" xlink:to="kffb_LoansOneMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RepossessedAssetsMember" xlink:href="kffb-20200630.xsd#kffb_RepossessedAssetsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RepossessedAssetsMember_lbl" xml:lang="en-US">Foreclosed and repossessed assets: [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RepossessedAssetsMember" xlink:to="kffb_RepossessedAssetsMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CarryingValueMember" xlink:href="kffb-20200630.xsd#kffb_CarryingValueMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CarryingValueMember_lbl" xml:lang="en-US">Carrying Value [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CarryingValueMember" xlink:to="kffb_CarryingValueMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ResidentialMortgageBackedSecuritiesMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ResidentialMortgageBackedSecuritiesMember_lbl" xml:lang="en-US">Agency mortgage-backed: residential [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ResidentialMortgageBackedSecuritiesMember" xlink:to="us-gaap_ResidentialMortgageBackedSecuritiesMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentMember" xlink:href="kffb-20200630.xsd#kffb_LoansIndividuallyEvaluatedForImpairmentMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentMember_lbl" xml:lang="en-US">Loans individually evaluated for impairment [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansIndividuallyEvaluatedForImpairmentMember" xlink:to="kffb_LoansIndividuallyEvaluatedForImpairmentMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OnetoFourfamilyResidentialRealEstateMember" xlink:href="kffb-20200630.xsd#kffb_OnetoFourfamilyResidentialRealEstateMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OnetoFourfamilyResidentialRealEstateMember_lbl" xml:lang="en-US">One-to four-family residential real estate [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OnetoFourfamilyResidentialRealEstateMember" xlink:to="kffb_OnetoFourfamilyResidentialRealEstateMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kffb_OnetoFourfamilyResidentialRealEstateMember_lbl0" xml:lang="en-US">One- to four-family [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OnetoFourfamilyResidentialRealEstateMember" xlink:to="kffb_OnetoFourfamilyResidentialRealEstateMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="kffb_OnetoFourfamilyResidentialRealEstateMember_lbl1" xml:lang="en-US">One-to four-family [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OnetoFourfamilyResidentialRealEstateMember" xlink:to="kffb_OnetoFourfamilyResidentialRealEstateMember_lbl1"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateMultiFamilyMember" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateMultiFamilyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateMultiFamilyMember_lbl" xml:lang="en-US">Residential Real Estate Multi Family [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateMultiFamilyMember" xlink:to="kffb_ResidentialRealEstateMultiFamilyMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kffb_ResidentialRealEstateMultiFamilyMember_lbl0" xml:lang="en-US">Multi-family [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateMultiFamilyMember" xlink:to="kffb_ResidentialRealEstateMultiFamilyMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ConstructionMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ConstructionMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ConstructionMember_lbl" xml:lang="en-US">Construction [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConstructionMember" xlink:to="us-gaap_ConstructionMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FarmMember" xlink:href="kffb-20200630.xsd#kffb_FarmMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FarmMember_lbl" xml:lang="en-US">Farm [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FarmMember" xlink:to="kffb_FarmMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_NonresidentialRealEstateMember" xlink:href="kffb-20200630.xsd#kffb_NonresidentialRealEstateMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_NonresidentialRealEstateMember_lbl" xml:lang="en-US">Nonresidential real estate [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_NonresidentialRealEstateMember" xlink:to="kffb_NonresidentialRealEstateMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentMember" xlink:href="kffb-20200630.xsd#kffb_LoansCollectivelyEvaluatedForImpairmentMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentMember_lbl" xml:lang="en-US">Loans collectively evaluated for impairment [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansCollectivelyEvaluatedForImpairmentMember" xlink:to="kffb_LoansCollectivelyEvaluatedForImpairmentMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateConstructionMember" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateConstructionMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateConstructionMember_lbl" xml:lang="en-US">Construction [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateConstructionMember" xlink:to="kffb_ResidentialRealEstateConstructionMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LandMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LandMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LandMember_lbl" xml:lang="en-US">Land [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LandMember" xlink:to="us-gaap_LandMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CommercialsNonMortgageMember" xlink:href="kffb-20200630.xsd#kffb_CommercialsNonMortgageMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CommercialsNonMortgageMember_lbl" xml:lang="en-US">Commercial and industrial [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CommercialsNonMortgageMember" xlink:to="kffb_CommercialsNonMortgageMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansOnDepositsMember" xlink:href="kffb-20200630.xsd#kffb_LoansOnDepositsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansOnDepositsMember_lbl" xml:lang="en-US">Loans on deposits [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansOnDepositsMember" xlink:to="kffb_LoansOnDepositsMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HomeEquityLoanMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_HomeEquityLoanMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HomeEquityLoanMember_lbl" xml:lang="en-US">Home equity [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HomeEquityLoanMember" xlink:to="us-gaap_HomeEquityLoanMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AutomobilesMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AutomobilesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AutomobilesMember_lbl" xml:lang="en-US">Automobile [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AutomobilesMember" xlink:to="us-gaap_AutomobilesMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AutomobilesMember_lbl0" xml:lang="en-US">Automobiles [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AutomobilesMember" xlink:to="us-gaap_AutomobilesMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="us-gaap_AutomobilesMember_lbl1" xml:lang="en-US">Auto [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AutomobilesMember" xlink:to="us-gaap_AutomobilesMember_lbl1"/>
    <loc xlink:type="locator" xlink:label="kffb_UnsecuredLoansMember" xlink:href="kffb-20200630.xsd#kffb_UnsecuredLoansMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnsecuredLoansMember_lbl" xml:lang="en-US">Unsecured [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnsecuredLoansMember" xlink:to="kffb_UnsecuredLoansMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_UnallocatedLoansMember" xlink:href="kffb-20200630.xsd#kffb_UnallocatedLoansMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnallocatedLoansMember_lbl" xml:lang="en-US">Unallocated [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnallocatedLoansMember" xlink:to="kffb_UnallocatedLoansMember_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_MultifamilyMember" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_MultifamilyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_MultifamilyMember_lbl" xml:lang="en-US">Multi-family [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MultifamilyMember" xlink:to="srt_MultifamilyMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="srt_MultifamilyMember_lbl0" xml:lang="en-US">Multifamily [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MultifamilyMember" xlink:to="srt_MultifamilyMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ConstructionLoansMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ConstructionLoansMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ConstructionLoansMember_lbl" xml:lang="en-US">Construction [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConstructionLoansMember" xlink:to="us-gaap_ConstructionLoansMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_NonresidentialRealEstateAndLandMember" xlink:href="kffb-20200630.xsd#kffb_NonresidentialRealEstateAndLandMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_NonresidentialRealEstateAndLandMember_lbl" xml:lang="en-US">Nonresidential real estate [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_NonresidentialRealEstateAndLandMember" xlink:to="kffb_NonresidentialRealEstateAndLandMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CommercialAndIndustrialPortfolioMember" xlink:href="kffb-20200630.xsd#kffb_CommercialAndIndustrialPortfolioMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CommercialAndIndustrialPortfolioMember_lbl" xml:lang="en-US">Commercial and industrial [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CommercialAndIndustrialPortfolioMember" xlink:to="kffb_CommercialAndIndustrialPortfolioMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherLoanMember" xlink:href="kffb-20200630.xsd#kffb_ConsumerAndOtherLoanMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherLoanMember_lbl" xml:lang="en-US">Consumer [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherLoanMember" xlink:to="kffb_ConsumerAndOtherLoanMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CommercialNonmortgageMember" xlink:href="kffb-20200630.xsd#kffb_CommercialNonmortgageMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CommercialNonmortgageMember_lbl" xml:lang="en-US">Commercial and industrial [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CommercialNonmortgageMember" xlink:to="kffb_CommercialNonmortgageMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HomeEquityMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_HomeEquityMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HomeEquityMember_lbl" xml:lang="en-US">Home equity [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HomeEquityMember" xlink:to="us-gaap_HomeEquityMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancingReceivables30To89DaysPastDueMember" xlink:href="kffb-20200630.xsd#kffb_FinancingReceivables30To89DaysPastDueMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancingReceivables30To89DaysPastDueMember_lbl" xml:lang="en-US">30-89 Days Past Due [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivables30To89DaysPastDueMember" xlink:to="kffb_FinancingReceivables30To89DaysPastDueMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kffb_FinancingReceivables30To89DaysPastDueMember_lbl0" xml:lang="en-US">Financing Receivables 30 To 89 Days Past Due [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivables30To89DaysPastDueMember" xlink:to="kffb_FinancingReceivables30To89DaysPastDueMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_lbl" xml:lang="en-US">90 Days or Greater Past Due [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:to="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_lbl0" xml:lang="en-US">Loans Past Due Over 90 Days [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:to="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_lbl1" xml:lang="en-US">Financial Asset, Equal to or Greater than 90 Days Past Due [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:to="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_lbl1"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DepositsMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DepositsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DepositsMember_lbl" xml:lang="en-US">Loans on deposits [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsMember" xlink:to="us-gaap_DepositsMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DepositsMember_lbl0" xml:lang="en-US">Deposits [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsMember" xlink:to="us-gaap_DepositsMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PassMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PassMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PassMember_lbl" xml:lang="en-US">Pass [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PassMember" xlink:to="us-gaap_PassMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_SpecialMentionMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SpecialMentionMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SpecialMentionMember_lbl" xml:lang="en-US">Special Mention [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SpecialMentionMember" xlink:to="us-gaap_SpecialMentionMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_SubstandardMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubstandardMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SubstandardMember_lbl" xml:lang="en-US">Substandard [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubstandardMember" xlink:to="us-gaap_SubstandardMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DoubtfulMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DoubtfulMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DoubtfulMember_lbl" xml:lang="en-US">Doubtful [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DoubtfulMember" xlink:to="us-gaap_DoubtfulMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_NonResidentialRealEstateMember" xlink:href="kffb-20200630.xsd#kffb_NonResidentialRealEstateMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_NonResidentialRealEstateMember_lbl" xml:lang="en-US">Nonresidential real estate [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_NonResidentialRealEstateMember" xlink:to="kffb_NonResidentialRealEstateMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TotalMember" xlink:href="kffb-20200630.xsd#kffb_TotalMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TotalMember_lbl" xml:lang="en-US">Total [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TotalMember" xlink:to="kffb_TotalMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_UnusedCommitmentsRevolvingOpenendLinesSecuredByRealEstateMember" xlink:href="kffb-20200630.xsd#kffb_UnusedCommitmentsRevolvingOpenendLinesSecuredByRealEstateMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnusedCommitmentsRevolvingOpenendLinesSecuredByRealEstateMember_lbl" xml:lang="en-US">Unused commitment revolving, open-end lines secured by real estate [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnusedCommitmentsRevolvingOpenendLinesSecuredByRealEstateMember" xlink:to="kffb_UnusedCommitmentsRevolvingOpenendLinesSecuredByRealEstateMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_UnusedCommitmentUnusedCommitmentMember" xlink:href="kffb-20200630.xsd#kffb_UnusedCommitmentUnusedCommitmentMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnusedCommitmentUnusedCommitmentMember_lbl" xml:lang="en-US">Unused commitment commitments to fund real estate construction loans [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnusedCommitmentUnusedCommitmentMember" xlink:to="kffb_UnusedCommitmentUnusedCommitmentMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OtherUnusedCommitmentsCommercialAndIndustrialLoansMember" xlink:href="kffb-20200630.xsd#kffb_OtherUnusedCommitmentsCommercialAndIndustrialLoansMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OtherUnusedCommitmentsCommercialAndIndustrialLoansMember_lbl" xml:lang="en-US">Other unused commitment commercial and industrial loans [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OtherUnusedCommitmentsCommercialAndIndustrialLoansMember" xlink:to="kffb_OtherUnusedCommitmentsCommercialAndIndustrialLoansMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OtherUnusedCommitmentsOtherMember" xlink:href="kffb-20200630.xsd#kffb_OtherUnusedCommitmentsOtherMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OtherUnusedCommitmentsOtherMember_lbl" xml:lang="en-US">Other unused commitment other [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OtherUnusedCommitmentsOtherMember" xlink:to="kffb_OtherUnusedCommitmentsOtherMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OtherUnusedCommitmentsLettersOfCreditMember" xlink:href="kffb-20200630.xsd#kffb_OtherUnusedCommitmentsLettersOfCreditMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OtherUnusedCommitmentsLettersOfCreditMember_lbl" xml:lang="en-US">Other unused commitment Letters of credit [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OtherUnusedCommitmentsLettersOfCreditMember" xlink:to="kffb_OtherUnusedCommitmentsLettersOfCreditMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FixedMember" xlink:href="kffb-20200630.xsd#kffb_FixedMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FixedMember_lbl" xml:lang="en-US">Fixed [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FixedMember" xlink:to="kffb_FixedMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_VariableMember" xlink:href="kffb-20200630.xsd#kffb_VariableMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_VariableMember_lbl" xml:lang="en-US">Variable [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_VariableMember" xlink:to="kffb_VariableMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CommonEquityTierOneCapitalRatioMember" xlink:href="kffb-20200630.xsd#kffb_CommonEquityTierOneCapitalRatioMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CommonEquityTierOneCapitalRatioMember_lbl" xml:lang="en-US">Common equity tier 1 capital ratio [Member]</label>
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    <loc xlink:type="locator" xlink:label="kffb_RiskBasedCapitalMember" xlink:href="kffb-20200630.xsd#kffb_RiskBasedCapitalMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RiskBasedCapitalMember_lbl" xml:lang="en-US">Risk based capital [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RiskBasedCapitalMember" xlink:to="kffb_RiskBasedCapitalMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TierOneCoreCapitalRatioMember" xlink:href="kffb-20200630.xsd#kffb_TierOneCoreCapitalRatioMember"/>
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    <loc xlink:type="locator" xlink:label="kffb_CapitalRatioMember" xlink:href="kffb-20200630.xsd#kffb_CapitalRatioMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CapitalRatioMember_lbl" xml:lang="en-US">Total capital ratio [Member]</label>
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    <loc xlink:type="locator" xlink:label="kffb_TierOneLeverageCapitalToAverageAssetsMember" xlink:href="kffb-20200630.xsd#kffb_TierOneLeverageCapitalToAverageAssetsMember"/>
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    <loc xlink:type="locator" xlink:label="kffb_LeverageCapitalMember" xlink:href="kffb-20200630.xsd#kffb_LeverageCapitalMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LeverageCapitalMember_lbl" xml:lang="en-US">Leverage capital [Member]</label>
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    <loc xlink:type="locator" xlink:label="kffb_CommunityBankLeverageRatioMember" xlink:href="kffb-20200630.xsd#kffb_CommunityBankLeverageRatioMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CommunityBankLeverageRatioMember_lbl" xml:lang="en-US">Community bank leverage ratio [Member]</label>
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    <loc xlink:type="locator" xlink:label="kffb_FirstFederalSavingsAndLoanAssociationOfHazardMember" xlink:href="kffb-20200630.xsd#kffb_FirstFederalSavingsAndLoanAssociationOfHazardMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FirstFederalSavingsAndLoanAssociationOfHazardMember_lbl" xml:lang="en-US">First federal savings and loan association of hazard [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FirstFederalSavingsAndLoanAssociationOfHazardMember" xlink:to="kffb_FirstFederalSavingsAndLoanAssociationOfHazardMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FirstFederalSavingsBankOfKentuckyMember" xlink:href="kffb-20200630.xsd#kffb_FirstFederalSavingsBankOfKentuckyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FirstFederalSavingsBankOfKentuckyMember_lbl" xml:lang="en-US">First federal savings bank of kentucky [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FirstFederalSavingsBankOfKentuckyMember" xlink:to="kffb_FirstFederalSavingsBankOfKentuckyMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_KentuckyFirstFederalMember" xlink:href="kffb-20200630.xsd#kffb_KentuckyFirstFederalMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_KentuckyFirstFederalMember_lbl" xml:lang="en-US">Kentucky first federal [Member]</label>
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    <loc xlink:type="locator" xlink:label="kffb_FirstFederalOfHazardMember" xlink:href="kffb-20200630.xsd#kffb_FirstFederalOfHazardMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FirstFederalOfHazardMember_lbl" xml:lang="en-US">First federal of hazard [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FirstFederalOfHazardMember" xlink:to="kffb_FirstFederalOfHazardMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kffb_FirstFederalOfHazardMember_lbl0" xml:lang="en-US">First Federal of Hazard [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FirstFederalOfHazardMember" xlink:to="kffb_FirstFederalOfHazardMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_FirstFederalOfKentuckyMember" xlink:href="kffb-20200630.xsd#kffb_FirstFederalOfKentuckyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FirstFederalOfKentuckyMember_lbl" xml:lang="en-US">First federal of kentucky [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FirstFederalOfKentuckyMember" xlink:to="kffb_FirstFederalOfKentuckyMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kffb_FirstFederalOfKentuckyMember_lbl0" xml:lang="en-US">First Federal of Kentucky [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FirstFederalOfKentuckyMember" xlink:to="kffb_FirstFederalOfKentuckyMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="srt_ParentCompanyMember" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_ParentCompanyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_ParentCompanyMember_lbl" xml:lang="en-US">Parent Company [Member]</label>
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    <loc xlink:type="locator" xlink:label="kffb_FrankfortFirstMember" xlink:href="kffb-20200630.xsd#kffb_FrankfortFirstMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FrankfortFirstMember_lbl" xml:lang="en-US">Frankfort First [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FrankfortFirstMember" xlink:to="kffb_FrankfortFirstMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FirstFederalOfFrankfortMember" xlink:href="kffb-20200630.xsd#kffb_FirstFederalOfFrankfortMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FirstFederalOfFrankfortMember_lbl" xml:lang="en-US">Frankfort First	[Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FirstFederalOfFrankfortMember" xlink:to="kffb_FirstFederalOfFrankfortMember_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_RangeAxis_lbl" xml:lang="en-US">Statistical Measurement [Axis]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CapitalRulesAxis_lbl" xml:lang="en-US">Capital Rules [Axis]</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" xml:lang="en-US">Loan held for sale</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_AmortizationOfMortgageServicingRightsMSRs" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AmortizationOfMortgageServicingRightsMSRs"/>
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    <loc xlink:type="locator" xlink:label="kffb_ServicingMortgageLoans" xlink:href="kffb-20200630.xsd#kffb_ServicingMortgageLoans"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ServicingMortgageLoans_lbl" xml:lang="en-US">Servicing mortgage loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ServicingMortgageLoans" xlink:to="kffb_ServicingMortgageLoans_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ServicingFee" xlink:href="kffb-20200630.xsd#kffb_ServicingFee"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ServicingFee_lbl" xml:lang="en-US">Servicing fees</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ServicingFee" xlink:to="kffb_ServicingFee_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DescriptionOfMortageLoans" xlink:href="kffb-20200630.xsd#kffb_DescriptionOfMortageLoans"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_DescriptionOfMortageLoans_lbl" xml:lang="en-US">Description of mortage loans</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage_lbl" xml:lang="en-US">Interest rate, percentage</label>
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    <loc xlink:type="locator" xlink:label="kffb_NonresidentialLoanPercentage" xlink:href="kffb-20200630.xsd#kffb_NonresidentialLoanPercentage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_NonresidentialLoanPercentage_lbl" xml:lang="en-US">Nonresidential loan, percentage</label>
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    <loc xlink:type="locator" xlink:label="kffb_DescriptionOfConsumerLeading" xlink:href="kffb-20200630.xsd#kffb_DescriptionOfConsumerLeading"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_DescriptionOfConsumerLeading_lbl" xml:lang="en-US">Consumer leading, description</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue_lbl" xml:lang="en-US">Fixed assets held for sale</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EffectiveIncomeTaxRateContinuingOperations_lbl" xml:lang="en-US">Income tax benefit, percentage</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateContinuingOperations_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherTaxExpenseBenefit" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherTaxExpenseBenefit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherTaxExpenseBenefit_lbl" xml:lang="en-US">Income tax benefit</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherTaxExpenseBenefit" xlink:to="us-gaap_OtherTaxExpenseBenefit_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GeneralDiscussionOfPensionAndOtherPostretirementBenefits" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GeneralDiscussionOfPensionAndOtherPostretirementBenefits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GeneralDiscussionOfPensionAndOtherPostretirementBenefits_lbl" xml:lang="en-US">Retirement and employee benefit plans, description</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GeneralDiscussionOfPensionAndOtherPostretirementBenefits" xlink:to="us-gaap_GeneralDiscussionOfPensionAndOtherPostretirementBenefits_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredCompensationLiabilityCurrent" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredCompensationLiabilityCurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredCompensationLiabilityCurrent_lbl" xml:lang="en-US">Deferred compensation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredCompensationLiabilityCurrent" xlink:to="us-gaap_DeferredCompensationLiabilityCurrent_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredCompensationShareBasedArrangementsLiabilityCurrent" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredCompensationShareBasedArrangementsLiabilityCurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredCompensationShareBasedArrangementsLiabilityCurrent_lbl" xml:lang="en-US">Deferred compensation liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredCompensationShareBasedArrangementsLiabilityCurrent" xlink:to="us-gaap_DeferredCompensationShareBasedArrangementsLiabilityCurrent_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount_lbl" xml:lang="en-US">Loan repayment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses" xlink:href="kffb-20200630.xsd#kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses_lbl" xml:lang="en-US">Employee stock ownership plan expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses" xlink:to="kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_lbl" xml:lang="en-US">Employee stock ownership plan, shares (in Shares)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPCashContributionsToESOP" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPCashContributionsToESOP"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPCashContributionsToESOP_lbl" xml:lang="en-US">Employee stock ownership plan contribution</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeStockOwnershipPlanESOPCashContributionsToESOP" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPCashContributionsToESOP_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ServicingAssetAtFairValueAmount" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ServicingAssetAtFairValueAmount_lbl" xml:lang="en-US">Fair value amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ServicingAssetAtFairValueAmount" xlink:to="us-gaap_ServicingAssetAtFairValueAmount_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RealEstateOwnershipAmount" xlink:href="kffb-20200630.xsd#kffb_RealEstateOwnershipAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RealEstateOwnershipAmount_lbl" xml:lang="en-US">Real estate ownership amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RealEstateOwnershipAmount" xlink:to="kffb_RealEstateOwnershipAmount_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DebtInstrumentMaturityDateDescription" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtInstrumentMaturityDateDescription"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtInstrumentMaturityDateDescription_lbl" xml:lang="en-US">Maturity term description</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentMaturityDateDescription" xlink:to="us-gaap_DebtInstrumentMaturityDateDescription_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_GoodwillAmount" xlink:href="kffb-20200630.xsd#kffb_GoodwillAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_GoodwillAmount_lbl" xml:lang="en-US">Goodwill amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_GoodwillAmount" xlink:to="kffb_GoodwillAmount_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DueFromOtherRelatedParties" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DueFromOtherRelatedParties"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DueFromOtherRelatedParties_lbl" xml:lang="en-US">Deposits from related parties</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DueFromOtherRelatedParties" xlink:to="us-gaap_DueFromOtherRelatedParties_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NumberOfReportingUnits" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NumberOfReportingUnits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NumberOfReportingUnits_lbl" xml:lang="en-US">Operating segment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NumberOfReportingUnits" xlink:to="us-gaap_NumberOfReportingUnits_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GoodwillAndIntangibleAssetImpairment" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetImpairment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GoodwillAndIntangibleAssetImpairment_lbl" xml:lang="en-US">Goodwill impairment charge</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillAndIntangibleAssetImpairment" xlink:to="us-gaap_GoodwillAndIntangibleAssetImpairment_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_SalesOfStockPricePerShare" xlink:href="kffb-20200630.xsd#kffb_SalesOfStockPricePerShare"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_SalesOfStockPricePerShare_lbl" xml:lang="en-US">Common stock per share price (in Dollars per share)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_SalesOfStockPricePerShare" xlink:to="kffb_SalesOfStockPricePerShare_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_GoodwillPercentage" xlink:href="kffb-20200630.xsd#kffb_GoodwillPercentage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_GoodwillPercentage_lbl" xml:lang="en-US">Goodwill, percentage</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_GoodwillPercentage" xlink:to="kffb_GoodwillPercentage_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TradingSecuritiesDebtAmortizedCost" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TradingSecuritiesDebtAmortizedCost"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TradingSecuritiesDebtAmortizedCost_lbl" xml:lang="en-US">Amortized cost</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TradingSecuritiesDebtAmortizedCost" xlink:to="us-gaap_TradingSecuritiesDebtAmortizedCost_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FairValueCostMethodInvestments" xlink:href="kffb-20200630.xsd#kffb_FairValueCostMethodInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FairValueCostMethodInvestments_lbl" xml:lang="en-US">Fair value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FairValueCostMethodInvestments" xlink:to="kffb_FairValueCostMethodInvestments_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FairValueMaturityPeriod" xlink:href="kffb-20200630.xsd#kffb_FairValueMaturityPeriod"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FairValueMaturityPeriod_lbl" xml:lang="en-US">Fair value maturity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FairValueMaturityPeriod" xlink:to="kffb_FairValueMaturityPeriod_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure_lbl" xml:lang="en-US">Held-to-maturity mortgage-backed securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure" xlink:to="us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_UnrealizedGainLossOnSecurities" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UnrealizedGainLossOnSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_UnrealizedGainLossOnSecurities_lbl" xml:lang="en-US">Unrealized gain (loss) on securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnrealizedGainLossOnSecurities" xlink:to="us-gaap_UnrealizedGainLossOnSecurities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_lbl" xml:lang="en-US">Pledged securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_SecuritiesHeldAsCollateralAtFairValue" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SecuritiesHeldAsCollateralAtFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SecuritiesHeldAsCollateralAtFairValue_lbl" xml:lang="en-US">Securities Held as Collateral, at Fair Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SecuritiesHeldAsCollateralAtFairValue" xlink:to="us-gaap_SecuritiesHeldAsCollateralAtFairValue_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NotesReceivableNet" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NotesReceivableNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NotesReceivableNet_lbl" xml:lang="en-US">Loans acquired credit quality</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NotesReceivableNet" xlink:to="us-gaap_NotesReceivableNet_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableDescription" xlink:href="kffb-20200630.xsd#kffb_LoansReceivableDescription"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansReceivableDescription_lbl" xml:lang="en-US">Loans receivable, description</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableDescription" xlink:to="kffb_LoansReceivableDescription_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TroubledDebtDescription" xlink:href="kffb-20200630.xsd#kffb_TroubledDebtDescription"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TroubledDebtDescription_lbl" xml:lang="en-US">Troubled debt, description</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TroubledDebtDescription" xlink:to="kffb_TroubledDebtDescription_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_lbl" xml:lang="en-US">Loans classified as TDRs</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:to="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_PercentageOfBankruptcyProceedingsToBorrower" xlink:href="kffb-20200630.xsd#kffb_PercentageOfBankruptcyProceedingsToBorrower"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_PercentageOfBankruptcyProceedingsToBorrower_lbl" xml:lang="en-US">Bankruptcy proceedings, percentage</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_PercentageOfBankruptcyProceedingsToBorrower" xlink:to="kffb_PercentageOfBankruptcyProceedingsToBorrower_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_MortgageLoansOnRealEstate" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_MortgageLoansOnRealEstate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MortgageLoansOnRealEstate_lbl" xml:lang="en-US">Troubled debt restructurings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansOnRealEstate" xlink:to="us-gaap_MortgageLoansOnRealEstate_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount_lbl" xml:lang="en-US">Purchase credit discount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount" xlink:to="us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GoodwillNotAllocatedAmount" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GoodwillNotAllocatedAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GoodwillNotAllocatedAmount_lbl" xml:lang="en-US">Goodwill net amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillNotAllocatedAmount" xlink:to="us-gaap_GoodwillNotAllocatedAmount_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_GoodwillImpairmentLosses" xlink:href="kffb-20200630.xsd#kffb_GoodwillImpairmentLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_GoodwillImpairmentLosses_lbl" xml:lang="en-US">Goodwill impairment loss</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_GoodwillImpairmentLosses" xlink:to="kffb_GoodwillImpairmentLosses_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ImpairmentChargeOnReclassifiedAssets" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ImpairmentChargeOnReclassifiedAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairmentChargeOnReclassifiedAssets_lbl" xml:lang="en-US">Carrying value of goodwill</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairmentChargeOnReclassifiedAssets" xlink:to="us-gaap_ImpairmentChargeOnReclassifiedAssets_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_BankDeposits" xlink:href="kffb-20200630.xsd#kffb_BankDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_BankDeposits_lbl" xml:lang="en-US">Deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_BankDeposits" xlink:to="kffb_BankDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TimeDeposits250000OrMore" xlink:href="kffb-20200630.xsd#kffb_TimeDeposits250000OrMore"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TimeDeposits250000OrMore_lbl" xml:lang="en-US">Certificate of deposit accounts with balances equal to or in exceeding of $250,000 totaling</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TimeDeposits250000OrMore" xlink:to="kffb_TimeDeposits250000OrMore_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AdvancesFromTheFederalHomeLoanBank" xlink:href="kffb-20200630.xsd#kffb_AdvancesFromTheFederalHomeLoanBank"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AdvancesFromTheFederalHomeLoanBank_lbl" xml:lang="en-US">Advances from the federal home loan bank (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AdvancesFromTheFederalHomeLoanBank" xlink:to="kffb_AdvancesFromTheFederalHomeLoanBank_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd_lbl" xml:lang="en-US">Federal home loan bank, advances, fixed interest rate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd" xlink:to="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable_lbl" xml:lang="en-US">Federal home loan bank, advances, additional borrowing capacity (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable" xlink:to="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1_lbl" xml:lang="en-US">Federal home loan bank, advances, pledged collateral which would enable us to borrow up amount (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1" xlink:to="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LineOfCredit" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LineOfCredit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LineOfCredit_lbl" xml:lang="en-US">Long-term Line of Credit (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCredit" xlink:to="us-gaap_LineOfCredit_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_IncomeTaxExpensesBenefit" xlink:href="kffb-20200630.xsd#kffb_IncomeTaxExpensesBenefit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_IncomeTaxExpensesBenefit_lbl" xml:lang="en-US">Recognized a tax benefit</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncomeTaxExpensesBenefit" xlink:to="kffb_IncomeTaxExpensesBenefit_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes" xlink:href="kffb-20200630.xsd#kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes_lbl" xml:lang="en-US">Retained earnings for which federal income taxes have not been provided</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes" xlink:to="kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender_lbl" xml:lang="en-US">Amount of unrecognized deferred tax liability relating to the cumulative bad debt deduction</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender" xlink:to="us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_MortgageLoansOnRealEstateFaceAmountOfMortgages" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_MortgageLoansOnRealEstateFaceAmountOfMortgages"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_MortgageLoansOnRealEstateFaceAmountOfMortgages_lbl" xml:lang="en-US">Fixed rate loan commitments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MortgageLoansOnRealEstateFaceAmountOfMortgages" xlink:to="srt_MortgageLoansOnRealEstateFaceAmountOfMortgages_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_MortgageLoansOnRealEstateInterestRate" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_MortgageLoansOnRealEstateInterestRate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_MortgageLoansOnRealEstateInterestRate_lbl" xml:lang="en-US">Loan commitments interest rates</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MortgageLoansOnRealEstateInterestRate" xlink:to="srt_MortgageLoansOnRealEstateInterestRate_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_MortgageLoansOnRealEstateMaturityTerm" xlink:href="kffb-20200630.xsd#kffb_MortgageLoansOnRealEstateMaturityTerm"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_MortgageLoansOnRealEstateMaturityTerm_lbl" xml:lang="en-US">Loan commitments maturities term</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_MortgageLoansOnRealEstateMaturityTerm" xlink:to="kffb_MortgageLoansOnRealEstateMaturityTerm_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_QualifiedThriftLenderTestDescription" xlink:href="kffb-20200630.xsd#kffb_QualifiedThriftLenderTestDescription"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_QualifiedThriftLenderTestDescription_lbl" xml:lang="en-US">Qualified Thrift Lender test, description</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_QualifiedThriftLenderTestDescription" xlink:to="kffb_QualifiedThriftLenderTestDescription_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AverageTotalConsolidatedAssets" xlink:href="kffb-20200630.xsd#kffb_AverageTotalConsolidatedAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AverageTotalConsolidatedAssets_lbl" xml:lang="en-US">Average total consolidated assets (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AverageTotalConsolidatedAssets" xlink:to="kffb_AverageTotalConsolidatedAssets_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LeverageRatio" xlink:href="kffb-20200630.xsd#kffb_LeverageRatio"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LeverageRatio_lbl" xml:lang="en-US">Leverage Ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LeverageRatio" xlink:to="kffb_LeverageRatio_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DescriptionOfFactorsThatMayAffectMinimumNetWorthRequirements" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DescriptionOfFactorsThatMayAffectMinimumNetWorthRequirements"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DescriptionOfFactorsThatMayAffectMinimumNetWorthRequirements_lbl" xml:lang="en-US">Description of minimum risk-based capital requirements</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DescriptionOfFactorsThatMayAffectMinimumNetWorthRequirements" xlink:to="us-gaap_DescriptionOfFactorsThatMayAffectMinimumNetWorthRequirements_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CapitalToRiskWeightedAssets" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Total risk-based capital ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalToRiskWeightedAssets" xlink:to="us-gaap_CapitalToRiskWeightedAssets_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_BankingRegulationTotalRiskBasedCapitalRatioUndercapitalizedMinimum" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BankingRegulationTotalRiskBasedCapitalRatioUndercapitalizedMinimum"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BankingRegulationTotalRiskBasedCapitalRatioUndercapitalizedMinimum_lbl" xml:lang="en-US">Banks qualify percentage</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankingRegulationTotalRiskBasedCapitalRatioUndercapitalizedMinimum" xlink:to="us-gaap_BankingRegulationTotalRiskBasedCapitalRatioUndercapitalizedMinimum_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DividendsWaived" xlink:href="kffb-20200630.xsd#kffb_DividendsWaived"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_DividendsWaived_lbl" xml:lang="en-US">First Federal MHC waived dividends (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DividendsWaived" xlink:to="kffb_DividendsWaived_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ConsolidationPolicyTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ConsolidationPolicyTextBlock_lbl" xml:lang="en-US">Principles of Consolidation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConsolidationPolicyTextBlock" xlink:to="us-gaap_ConsolidationPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_UseOfEstimates" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UseOfEstimates"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_UseOfEstimates_lbl" xml:lang="en-US">Use of Estimates</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UseOfEstimates" xlink:to="us-gaap_UseOfEstimates_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_MarketableSecuritiesPolicy" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_MarketableSecuritiesPolicy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MarketableSecuritiesPolicy_lbl" xml:lang="en-US">Securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MarketableSecuritiesPolicy" xlink:to="us-gaap_MarketableSecuritiesPolicy_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PolicyLoansReceivablePolicy" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PolicyLoansReceivablePolicy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PolicyLoansReceivablePolicy_lbl" xml:lang="en-US">Loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyLoansReceivablePolicy" xlink:to="us-gaap_PolicyLoansReceivablePolicy_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansHeldForSaleAndMortgageServicingRightsPolicyTextBlock" xlink:href="kffb-20200630.xsd#kffb_LoansHeldForSaleAndMortgageServicingRightsPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansHeldForSaleAndMortgageServicingRightsPolicyTextBlock_lbl" xml:lang="en-US">Loans held for sale and Mortgage Servicing Rights</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansHeldForSaleAndMortgageServicingRightsPolicyTextBlock" xlink:to="kffb_LoansHeldForSaleAndMortgageServicingRightsPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_lbl" xml:lang="en-US">Allowance for Loan Losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy" xlink:to="us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FederalHomeLoanBankStockPolicyTextBlock" xlink:href="kffb-20200630.xsd#kffb_FederalHomeLoanBankStockPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FederalHomeLoanBankStockPolicyTextBlock_lbl" xml:lang="en-US">Federal Home Loan Bank Stock Policy Text Block</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalHomeLoanBankStockPolicyTextBlock" xlink:to="kffb_FederalHomeLoanBankStockPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_RealEstatePolicyTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RealEstatePolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RealEstatePolicyTextBlock_lbl" xml:lang="en-US">Real Estate Owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealEstatePolicyTextBlock" xlink:to="us-gaap_RealEstatePolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_lbl" xml:lang="en-US">Premises and Equipment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncomeTaxPolicyTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxPolicyTextBlock_lbl" xml:lang="en-US">Income Taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxPolicyTextBlock" xlink:to="us-gaap_IncomeTaxPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CompensationAndEmployeeBenefitPlansTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_lbl" xml:lang="en-US">Retirement and Employee Benefit Plans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:to="us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_EarningsPerSharePolicyTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EarningsPerSharePolicyTextBlock_lbl" xml:lang="en-US">Earnings Per Share</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerSharePolicyTextBlock" xlink:to="us-gaap_EarningsPerSharePolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl" xml:lang="en-US">Fair Value of Assets and Liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:to="us-gaap_FairValueMeasurementPolicyPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CashAndCashEquivalentsPolicyTextBlock_lbl" xml:lang="en-US">Cash and Cash Equivalents</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:to="us-gaap_CashAndCashEquivalentsPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock_lbl" xml:lang="en-US">Goodwill</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:to="us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CashSurrenderValueOfLifeInsurancePolicyTextBlock" xlink:href="kffb-20200630.xsd#kffb_CashSurrenderValueOfLifeInsurancePolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CashSurrenderValueOfLifeInsurancePolicyTextBlock_lbl" xml:lang="en-US">Cash Surrender Value of Life Insurance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CashSurrenderValueOfLifeInsurancePolicyTextBlock" xlink:to="kffb_CashSurrenderValueOfLifeInsurancePolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TreasuryStockPolicyTextBlock" xlink:href="kffb-20200630.xsd#kffb_TreasuryStockPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TreasuryStockPolicyTextBlock_lbl" xml:lang="en-US">Treasury Stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TreasuryStockPolicyTextBlock" xlink:to="kffb_TreasuryStockPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RelatedPartyTransactionsPolicyTextBlock" xlink:href="kffb-20200630.xsd#kffb_RelatedPartyTransactionsPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_RelatedPartyTransactionsPolicyTextBlock_lbl" xml:lang="en-US">Related Party Transactions</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RelatedPartyTransactionsPolicyTextBlock" xlink:to="kffb_RelatedPartyTransactionsPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ComprehensiveIncomePolicyPolicyTextBlock"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RevenueRecognitionPolicyTextBlock_lbl" xml:lang="en-US">Revenue Recognition</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenueRecognitionPolicyTextBlock" xlink:to="us-gaap_RevenueRecognitionPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommitmentsAndContingenciesPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommitmentsAndContingenciesPolicyTextBlock_lbl" xml:lang="en-US">Loss Contingencies</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:to="us-gaap_CommitmentsAndContingenciesPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LoanCommitmentsPolicy" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LoanCommitmentsPolicy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoanCommitmentsPolicy_lbl" xml:lang="en-US">Loan Commitments and Related Financial Instruments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoanCommitmentsPolicy" xlink:to="us-gaap_LoanCommitmentsPolicy_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DividendRestrictionPolicyTextBlock" xlink:href="kffb-20200630.xsd#kffb_DividendRestrictionPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_DividendRestrictionPolicyTextBlock_lbl" xml:lang="en-US">Dividend Restriction</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DividendRestrictionPolicyTextBlock" xlink:to="kffb_DividendRestrictionPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OperatingSegementPolicyTextBlock" xlink:href="kffb-20200630.xsd#kffb_OperatingSegementPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OperatingSegementPolicyTextBlock_lbl" xml:lang="en-US">Operating Segments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OperatingSegementPolicyTextBlock" xlink:to="kffb_OperatingSegementPolicyTextBlock_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ReclassificationsPolicyTextBlock_lbl" xml:lang="en-US">Reclassifications</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ReclassificationsPolicyTextBlock" xlink:to="kffb_ReclassificationsPolicyTextBlock_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_MortgageServicingRightsMember_lbl" xml:lang="en-US">Mortgage Servicing Rights [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_MortgageServicingRightsMember" xlink:to="kffb_MortgageServicingRightsMember_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TroubledDebtRestructuringMember_lbl" xml:lang="en-US">Troubled Debt Restructuring [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TroubledDebtRestructuringMember" xlink:to="kffb_TroubledDebtRestructuringMember_lbl"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ResidentialMortgageMember" xlink:to="us-gaap_ResidentialMortgageMember_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_MinimumMember_lbl" xml:lang="en-US">Minimum [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MinimumMember" xlink:to="srt_MinimumMember_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_MaximumMember" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_MaximumMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_MaximumMember_lbl" xml:lang="en-US">Maximum [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MaximumMember" xlink:to="srt_MaximumMember_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_WeightedAverageMember" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_WeightedAverageMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_WeightedAverageMember_lbl" xml:lang="en-US">Weighted Average [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_WeightedAverageMember" xlink:to="srt_WeightedAverageMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ParentMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ParentMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ParentMember_lbl" xml:lang="en-US">Parent [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ParentMember" xlink:to="us-gaap_ParentMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_NewCapitalRulesMember" xlink:href="kffb-20200630.xsd#kffb_NewCapitalRulesMember"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_NewCapitalRulesMember" xlink:to="kffb_NewCapitalRulesMember_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EquityComponentDomain_lbl" xml:lang="en-US">Equity Component [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquityComponentDomain" xlink:to="us-gaap_EquityComponentDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_lbl" xml:lang="en-US">Financial Instruments [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:to="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_StatementTable" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementTable_lbl" xml:lang="en-US">Statement [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementTable" xlink:to="us-gaap_StatementTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_StatementLineItems" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementLineItems_lbl" xml:lang="en-US">Statement [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementLineItems" xlink:to="us-gaap_StatementLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateFamilyDomain" xlink:href="kffb-20200630.xsd#kffb_ResidentialRealEstateFamilyDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ResidentialRealEstateFamilyDomain_lbl" xml:lang="en-US">ResidentialRealEstateFamily [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateFamilyDomain" xlink:to="kffb_ResidentialRealEstateFamilyDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InvestmentTypeCategorizationMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentTypeCategorizationMember_lbl" xml:lang="en-US">Investments [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentTypeCategorizationMember" xlink:to="us-gaap_InvestmentTypeCategorizationMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TypeOfFairValueByFairValueHierarchyLevelDomain" xlink:href="kffb-20200630.xsd#kffb_TypeOfFairValueByFairValueHierarchyLevelDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_TypeOfFairValueByFairValueHierarchyLevelDomain_lbl" xml:lang="en-US">TypeOfFairValueByFairValueHierarchyLevel [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TypeOfFairValueByFairValueHierarchyLevelDomain" xlink:to="kffb_TypeOfFairValueByFairValueHierarchyLevelDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTable" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTable_lbl" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByBalanceSheetGroupingTable" xlink:to="us-gaap_FairValueByBalanceSheetGroupingTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:to="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember" xlink:to="us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember_lbl"/>
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    <loc xlink:type="locator" xlink:label="kffb_FinancingReceivableAllowanceForCreditLossesDomain" xlink:href="kffb-20200630.xsd#kffb_FinancingReceivableAllowanceForCreditLossesDomain"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivableAllowanceForCreditLossesDomain" xlink:to="kffb_FinancingReceivableAllowanceForCreditLossesDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:to="us-gaap_ScheduleOfImpairedFinancingReceivableTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableImpairedLineItems" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableImpairedLineItems_lbl" xml:lang="en-US">Financing Receivable, Impaired [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableImpairedLineItems" xlink:to="us-gaap_FinancingReceivableImpairedLineItems_lbl"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:to="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableModificationsLineItems" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsLineItems" xlink:to="us-gaap_FinancingReceivableModificationsLineItems_lbl"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_SummaryofSignificantAccountingPoliciesDetailsLineItems" xlink:to="kffb_SummaryofSignificantAccountingPoliciesDetailsLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsNameDomain" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsNameDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsNameDomain_lbl" xml:lang="en-US">Troubled Debt Restructuring, Debtor, Subsequent Periods, Contingent Payments, Name [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsNameDomain" xlink:to="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsNameDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansDetailsTable" xlink:href="kffb-20200630.xsd#kffb_LoansDetailsTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansDetailsTable_lbl" xml:lang="en-US">Loans (Details) [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansDetailsTable" xlink:to="kffb_LoansDetailsTable_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansDetailsLineItems" xlink:href="kffb-20200630.xsd#kffb_LoansDetailsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansDetailsLineItems_lbl" xml:lang="en-US">Loans (Details) [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansDetailsLineItems" xlink:to="kffb_LoansDetailsLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_RangeMember" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_RangeMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_RangeMember_lbl" xml:lang="en-US">Statistical Measurement [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_RangeMember" xlink:to="srt_RangeMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AdvancesfromtheFederalHomeLoanBankDetailsTable" xlink:href="kffb-20200630.xsd#kffb_AdvancesfromtheFederalHomeLoanBankDetailsTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_AdvancesfromtheFederalHomeLoanBankDetailsTable_lbl" xml:lang="en-US">Advances from the Federal Home Loan Bank (Details) [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AdvancesfromtheFederalHomeLoanBankDetailsTable" xlink:to="kffb_AdvancesfromtheFederalHomeLoanBankDetailsTable_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems" xlink:href="kffb-20200630.xsd#kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems_lbl" xml:lang="en-US">Advances from the Federal Home Loan Bank (Details) [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems" xlink:to="kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FederalIncomeTaxesDetailsTable" xlink:href="kffb-20200630.xsd#kffb_FederalIncomeTaxesDetailsTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_FederalIncomeTaxesDetailsTable_lbl" xml:lang="en-US">Federal Income Taxes (Details) [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalIncomeTaxesDetailsTable" xlink:to="kffb_FederalIncomeTaxesDetailsTable_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FederalIncomeTaxesDetailsLineItems" xlink:href="kffb-20200630.xsd#kffb_FederalIncomeTaxesDetailsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_FederalIncomeTaxesDetailsLineItems_lbl" xml:lang="en-US">Federal Income Taxes (Details) [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalIncomeTaxesDetailsLineItems" xlink:to="kffb_FederalIncomeTaxesDetailsLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoanCommitmentsDetailsTable" xlink:href="kffb-20200630.xsd#kffb_LoanCommitmentsDetailsTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoanCommitmentsDetailsTable_lbl" xml:lang="en-US">Loan Commitments (Details) [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoanCommitmentsDetailsTable" xlink:to="kffb_LoanCommitmentsDetailsTable_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoanCommitmentsDetailsLineItems" xlink:href="kffb-20200630.xsd#kffb_LoanCommitmentsDetailsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoanCommitmentsDetailsLineItems_lbl" xml:lang="en-US">Loan Commitments (Details) [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoanCommitmentsDetailsLineItems" xlink:to="kffb_LoanCommitmentsDetailsLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CapitalRulesDomain" xlink:href="kffb-20200630.xsd#kffb_CapitalRulesDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_CapitalRulesDomain_lbl" xml:lang="en-US">CapitalRules [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CapitalRulesDomain" xlink:to="kffb_CapitalRulesDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_StockholdersEquityandRegulatoryCapitalDetailsTable" xlink:href="kffb-20200630.xsd#kffb_StockholdersEquityandRegulatoryCapitalDetailsTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_StockholdersEquityandRegulatoryCapitalDetailsTable_lbl" xml:lang="en-US">Stockholders&apos; Equity and Regulatory Capital (Details) [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_StockholdersEquityandRegulatoryCapitalDetailsTable" xlink:to="kffb_StockholdersEquityandRegulatoryCapitalDetailsTable_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_StockholdersEquityandRegulatoryCapitalDetailsLineItems" xlink:href="kffb-20200630.xsd#kffb_StockholdersEquityandRegulatoryCapitalDetailsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_StockholdersEquityandRegulatoryCapitalDetailsLineItems_lbl" xml:lang="en-US">Stockholders&apos; Equity and Regulatory Capital (Details) [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_StockholdersEquityandRegulatoryCapitalDetailsLineItems" xlink:to="kffb_StockholdersEquityandRegulatoryCapitalDetailsLineItems_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_AccretionOfPurchasedLoanDiscount_lbl0" xml:lang="en-US">This element represents amount of non cash expense to amortize loan discount.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AccretionOfPurchasedLoanDiscount" xlink:to="kffb_AccretionOfPurchasedLoanDiscount_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_AdditionsToRealEstateOwned_lbl0" xml:lang="en-US">The cash outflow from additions to real estate owned.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AdditionsToRealEstateOwned" xlink:to="kffb_AdditionsToRealEstateOwned_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_AmortizationAccretionOfDeferredLoanOriginationCosts_lbl0" xml:lang="en-US">Amount of Amortization Expenses on Premiums paid on FHLB Advances.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AmortizationAccretionOfDeferredLoanOriginationCosts" xlink:to="kffb_AmortizationAccretionOfDeferredLoanOriginationCosts_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_AmortizationOfPurchasedLoanPremium_lbl0" xml:lang="en-US">This element represents amount of non cash expense to amortize loan premium.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AmortizationOfPurchasedLoanPremium" xlink:to="kffb_AmortizationOfPurchasedLoanPremium_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_BankDeposits_lbl0" xml:lang="en-US">BankDeposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_BankDeposits" xlink:to="kffb_BankDeposits_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_CashSurrenderValueOfLifeInsurances_lbl0" xml:lang="en-US">CashSurrenderValueOfLifeInsurances</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CashSurrenderValueOfLifeInsurances" xlink:to="kffb_CashSurrenderValueOfLifeInsurances_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock_lbl0" xml:lang="en-US">The tabular disclosure of the aggregate excess of a loan&apos;s cash flows expected to be collected over the investor&apos;s initial investment in the loan for loans accounted for as debt securities, with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock" xlink:to="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock_lbl0" xml:lang="en-US">The entire tabular disclosure of the undiscounted sum of all amounts, including amounts deemed principal, interest, fees, penalties, and other under the loan, owed to the investor at the reporting date.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock" xlink:to="kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ChangeInAccountingMethodForRetainedEarnings_lbl0" xml:lang="en-US">Change in accounting method.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ChangeInAccountingMethodForRetainedEarnings" xlink:to="kffb_ChangeInAccountingMethodForRetainedEarnings_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition_lbl0" xml:lang="en-US">DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition" xlink:to="kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_DeferredTaxAssetsNonaccuredInterestOnLoans_lbl0" xml:lang="en-US">DeferredTaxAssetsNonaccuredInterestOnLoans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxAssetsNonaccuredInterestOnLoans" xlink:to="kffb_DeferredTaxAssetsNonaccuredInterestOnLoans_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments_lbl0" xml:lang="en-US">DeferredTaxAssetsOtherRealEstateOwnedAdjustments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments" xlink:to="kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment_lbl0" xml:lang="en-US">DeferredTaxLiabilitiesAccrualToCashAdjustment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment" xlink:to="kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl0" xml:lang="en-US">DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" xlink:to="kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_Deposit_lbl0" xml:lang="en-US">The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_Deposit" xlink:to="kffb_Deposit_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_DepositsExcludingTimeDeposits_lbl0" xml:lang="en-US">DepositsExcludingTimeDeposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DepositsExcludingTimeDeposits" xlink:to="kffb_DepositsExcludingTimeDeposits_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_EarningsOnBankOwnedLifeInsurance_lbl0" xml:lang="en-US">Earnings on or other increases in the value of the cash surrender value of bank owned life insurance.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EarningsOnBankOwnedLifeInsurance" xlink:to="kffb_EarningsOnBankOwnedLifeInsurance_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses_lbl0" xml:lang="en-US">The amount of plan compensation cost recognized during the period.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses" xlink:to="kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_EndingAllowanceAttributedToLoans_lbl0" xml:lang="en-US">Loans collectively evaluated for impairment, Unallocated Loans collectively evaluated for impair.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EndingAllowanceAttributedToLoans" xlink:to="kffb_EndingAllowanceAttributedToLoans_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_EndingLoansBalance_lbl0" xml:lang="en-US">Loans individually evaluated for impairment, Ending loans balance.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EndingLoansBalance" xlink:to="kffb_EndingLoansBalance_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription_lbl0" xml:lang="en-US">Description of where the gains (losses) for the periods arising from assets and liabilities measured at fair value on a recurring basis using unobservable inputs (Level 3) are included in other comprehensive income.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription" xlink:to="kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate_lbl0" xml:lang="en-US">FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate" xlink:to="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate_lbl0" xml:lang="en-US">FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate" xlink:to="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate_lbl0" xml:lang="en-US">FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate" xlink:to="kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment_lbl0" xml:lang="en-US">Loans individually evaluated for impairment, Total allowance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment" xlink:to="kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_GainsOnSalesOfProperty_lbl0" xml:lang="en-US">Amount related to net gains on sales of property.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_GainsOnSalesOfProperty" xlink:to="kffb_GainsOnSalesOfProperty_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_GoodwillImpairmentsLoss_lbl0" xml:lang="en-US">Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_GoodwillImpairmentsLoss" xlink:to="kffb_GoodwillImpairmentsLoss_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_HeldtomaturitySecurities1_lbl0" xml:lang="en-US">Amount of investment in debt security measured at amortized cost (held-to-maturity).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_HeldtomaturitySecurities1" xlink:to="kffb_HeldtomaturitySecurities1_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1_lbl0" xml:lang="en-US">Amount of interest income, recognized on accrual basis, on financing receivables that are recognized as impaired, for which there is no related allowance for credit losses.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1" xlink:to="kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1_lbl0" xml:lang="en-US">IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1" xlink:to="kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_IncomeTaxExpensesBenefit_lbl0" xml:lang="en-US">Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncomeTaxExpensesBenefit" xlink:to="kffb_IncomeTaxExpensesBenefit_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit_lbl0" xml:lang="en-US">IncreaseDecreaseInCurrentFederalIncomeTaxBenefit</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit" xlink:to="kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit_lbl0" xml:lang="en-US">The increase (decrease) during the reporting period in the deferred federal income tax (benefit).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit" xlink:to="kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_InterestBearingDemandDeposits_lbl1" xml:lang="en-US">The amount of money in accounts that will bear interest and that the depositor is entitled to withdraw at any time without prior notice.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InterestBearingDemandDeposits" xlink:to="kffb_InterestBearingDemandDeposits_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_InvestmentsSecuritiesTableTextBlock_lbl0" xml:lang="en-US">The entire tabular disclosure of investment holdings.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InvestmentsSecuritiesTableTextBlock" xlink:to="kffb_InvestmentsSecuritiesTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAcquiredWithDeterioratedCreditQuality_lbl0" xml:lang="en-US">Loans individually evaluated for impairment, Loans acquired with deteriorated credit quality.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAcquiredWithDeterioratedCreditQuality" xlink:to="kffb_LoansAcquiredWithDeterioratedCreditQuality_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeaseReceivableGrossCarryingAmount_lbl0" xml:lang="en-US">Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeaseReceivableGrossCarryingAmount" xlink:to="kffb_LoansAndLeaseReceivableGrossCarryingAmount_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableAllowances_lbl2" xml:lang="en-US">Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableAllowances" xlink:to="kffb_LoansAndLeasesReceivableAllowances_lbl2"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableAutomobile_lbl0" xml:lang="en-US">Reflects the gross carrying amount of unpaid loans secured by borrowers automobiles.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableAutomobile" xlink:to="kffb_LoansAndLeasesReceivableAutomobile_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableConsumersConstruction_lbl0" xml:lang="en-US">Amount before allowance of loans issued to build, improve or remodel a residential home. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreement.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableConsumersConstruction" xlink:to="kffb_LoansAndLeasesReceivableConsumersConstruction_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableLoansOnDeposits_lbl0" xml:lang="en-US">Reflects the gross carrying amount of unpaid loans issued against deposits.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableLoansOnDeposits" xlink:to="kffb_LoansAndLeasesReceivableLoansOnDeposits_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableMultifamily_lbl0" xml:lang="en-US">The amount of multi-family.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableMultifamily" xlink:to="kffb_LoansAndLeasesReceivableMultifamily_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableOneToFourFamily_lbl0" xml:lang="en-US">The amount of one-to four-family.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableOneToFourFamily" xlink:to="kffb_LoansAndLeasesReceivableOneToFourFamily_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableUnsecured_lbl0" xml:lang="en-US">Reflects the gross carrying amount of unsecured unpaid loans.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableUnsecured" xlink:to="kffb_LoansAndLeasesReceivableUnsecured_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivablesConsumerHomeEquity_lbl0" xml:lang="en-US">Amount before allowance of revolving, open-end loan, extended under a line of credit and secured by the borrower&apos;s residential property. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreement.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivablesConsumerHomeEquity" xlink:to="kffb_LoansAndLeasesReceivablesConsumerHomeEquity_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAvailableForSale_lbl0" xml:lang="en-US">Loans available for sale.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAvailableForSale" xlink:to="kffb_LoansAvailableForSale_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansHeldForSaleCarryingValue_lbl0" xml:lang="en-US">Loans held for sale Carrying Value.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansHeldForSaleCarryingValue" xlink:to="kffb_LoansHeldForSaleCarryingValue_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansIndividuallyEvaluated_lbl0" xml:lang="en-US">Loans individually evaluated for impairment, Loans Individually evaluated</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansIndividuallyEvaluated" xlink:to="kffb_LoansIndividuallyEvaluated_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure_lbl0" xml:lang="en-US">The cash outflow associated with loan origination (the process when securing a mortgage for a piece of real property) when the property was classified as real estate acquired through foreclosure.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure" xlink:to="kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansReceivableCommercialAgriculturals_lbl0" xml:lang="en-US">Amount before allowance of loans issued to agricultural institutions. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreement.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialAgriculturals" xlink:to="kffb_LoansReceivableCommercialAgriculturals_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansReceivableCommercialLand_lbl0" xml:lang="en-US">Amount before allowance of loans issued to agricultural institutions. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreements.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialLand" xlink:to="kffb_LoansReceivableCommercialLand_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansReceivableCommercialNonMortgage_lbl0" xml:lang="en-US">It represents the loans receivable of commercial non mortgage during the period.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialNonMortgage" xlink:to="kffb_LoansReceivableCommercialNonMortgage_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansReceivableCommercialRealEstates_lbl0" xml:lang="en-US">Amount before allowance of commercial loans issued to businesses to acquire, develop, construct, improve, or refinance land or building. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreement.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialRealEstates" xlink:to="kffb_LoansReceivableCommercialRealEstates_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansReceivableDescription_lbl0" xml:lang="en-US">Loans receivable, description.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableDescription" xlink:to="kffb_LoansReceivableDescription_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_OccupancyAndEquipment_lbl0" xml:lang="en-US">Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense. This includes equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity&apos;s accounting policy. This item may also include furniture expenses.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OccupancyAndEquipment" xlink:to="kffb_OccupancyAndEquipment_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_OutsideServiceFee_lbl0" xml:lang="en-US">The amount of expense incurred for outside service during the period.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OutsideServiceFee" xlink:to="kffb_OutsideServiceFee_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_PercentageOfBankruptcyProceedingsToBorrower_lbl0" xml:lang="en-US">Represents the percentage of bankruptcy proceedings to borrower.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_PercentageOfBankruptcyProceedingsToBorrower" xlink:to="kffb_PercentageOfBankruptcyProceedingsToBorrower_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ProvisionForLoanLosses_lbl0" xml:lang="en-US">Amount related to loss from loan transactions.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ProvisionForLoanLosses" xlink:to="kffb_ProvisionForLoanLosses_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_RealEstateOwnershipAmount_lbl0" xml:lang="en-US">Real estate ownership amount.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RealEstateOwnershipAmount" xlink:to="kffb_RealEstateOwnershipAmount_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes_lbl0" xml:lang="en-US">RetainedEarningsNotRecognizedFederalIncomeTaxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes" xlink:to="kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock_lbl0" xml:lang="en-US">ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock" xlink:to="kffb_ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock_lbl0" xml:lang="en-US">Tabular disclosure of major classification of loans receivable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock" xlink:to="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock_lbl0" xml:lang="en-US">Schedule of detailed disclosures related to impaired loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock" xlink:to="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_TimeDeposits250000OrMore_lbl0" xml:lang="en-US">TimeDeposits250000OrMore</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TimeDeposits250000OrMore" xlink:to="kffb_TimeDeposits250000OrMore_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_TimeDepositsAtCarryingValues_lbl0" xml:lang="en-US">Any certificate of deposit or savings account held by a bank or other financial institution for a short-term specified period of time. Because of their short-term, time deposits are considered highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three-years ago does not become a cash equivalent when its remaining maturity is three months.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TimeDepositsAtCarryingValues" xlink:to="kffb_TimeDepositsAtCarryingValues_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio_lbl0" xml:lang="en-US">Total capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio" xlink:to="kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet_lbl0" xml:lang="en-US">The noncash transfer of the amount of loan principal reclassified to real estate acquired through foreclosure.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet" xlink:to="kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_UnallocatedAllowance_lbl0" xml:lang="en-US">Loans collectively evaluated for impairment, Unallocated allowance.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnallocatedAllowance" xlink:to="kffb_UnallocatedAllowance_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_UnearnedESOPShares1_lbl0" xml:lang="en-US">Fair value of unearned shares for all classes of common stock and nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by an employee stock ownership plan (ESOP). Includes the sale of shares or the issuance treasury shares to an ESOP.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnearnedESOPShares1" xlink:to="kffb_UnearnedESOPShares1_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_VoiceAndDataCommunications_lbl0" xml:lang="en-US">Voice and data communications.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_VoiceAndDataCommunications" xlink:to="kffb_VoiceAndDataCommunications_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_GoodwillPercentage_lbl0" xml:lang="en-US">GoodwillPercentage</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_GoodwillPercentage" xlink:to="kffb_GoodwillPercentage_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_FederalHomeLoanBankStockPolicyTextBlock_lbl0" xml:lang="en-US">FederalHomeLoanBankStockPolicyTextBlock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalHomeLoanBankStockPolicyTextBlock" xlink:to="kffb_FederalHomeLoanBankStockPolicyTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansHeldForSaleCarryingValue_lbl1" xml:lang="en-US">LoansHeldForSaleCarryingValue</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansHeldForSaleCarryingValue" xlink:to="kffb_LoansHeldForSaleCarryingValue_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_InvestmentsSecuritiesTableTextBlock_lbl1" xml:lang="en-US">InvestmentsSecuritiesTableTextBlock</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl3" xml:lang="en-US">Cash and Cash Equivalents, at Carrying Value</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl1" xml:lang="en-US">Interest and Dividend Income, Operating</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_MortgageLoansOnRealEstateInterestRate_lbl0" xml:lang="en-US">SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Interest Rate</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl0" xml:lang="en-US">Entity Emerging Growth Company</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl0" xml:lang="en-US">Entity Current Reporting Status</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock_lbl0" xml:lang="en-US">Goodwill and Intangible Assets, Policy [Policy Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl1" xml:lang="en-US">Banking Regulation, Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl1" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl0" xml:lang="en-US">Allowance for Loan and Lease Losses, Write-offs</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherRealEstateImprovements_lbl0" xml:lang="en-US">Other Real Estate, Improvements</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Depreciation_lbl0" xml:lang="en-US">Depreciation</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Goodwill_lbl0" xml:lang="en-US">Goodwill</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_lbl0" xml:lang="en-US">Employee Stock Ownership Plan (ESOP), Number of Allocated Shares</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxPolicyTextBlock_lbl0" xml:lang="en-US">Income Tax, Policy [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxPolicyTextBlock" xlink:to="us-gaap_IncomeTaxPolicyTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl0" xml:lang="en-US">Banking Regulation, Tier One Leverage Capital Ratio, Well Capitalized, Minimum</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_lbl0" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities, Continuing Operations</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockSharesOutstanding_lbl0" xml:lang="en-US">Preferred Stock, Shares Outstanding</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel2Member_lbl1" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel2Member" xlink:to="us-gaap_FairValueInputsLevel2Member_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Investments_lbl0" xml:lang="en-US">Investments</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl1" xml:lang="en-US">Property, Plant and Equipment, Net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeDomesticDeposits_lbl0" xml:lang="en-US">Interest Income, Domestic Deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeDomesticDeposits" xlink:to="us-gaap_InterestIncomeDomesticDeposits_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherLiabilities_lbl0" xml:lang="en-US">Other Liabilities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoncashInvestingAndFinancingItemsAbstract_lbl0" xml:lang="en-US">Noncash Investing and Financing Items [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:to="us-gaap_NoncashInvestingAndFinancingItemsAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_WeightedAverageMember_lbl0" xml:lang="en-US">Weighted Average [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GoodwillNotAllocatedAmount_lbl0" xml:lang="en-US">Goodwill, Not Allocated, Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillNotAllocatedAmount" xlink:to="us-gaap_GoodwillNotAllocatedAmount_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RealEstatePolicyTextBlock_lbl0" xml:lang="en-US">Real Estate, Policy [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealEstatePolicyTextBlock" xlink:to="us-gaap_RealEstatePolicyTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtDisclosureTextBlock_lbl0" xml:lang="en-US">Debt Disclosure [Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtDisclosureTextBlock" xlink:to="us-gaap_DebtDisclosureTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl0" xml:lang="en-US">Retained Earnings (Accumulated Deficit)</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_lbl0" xml:lang="en-US">Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod" xlink:to="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseAbstract_lbl0" xml:lang="en-US">Interest Expense [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseAbstract" xlink:to="us-gaap_InterestExpenseAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_UnusedCommitmentsToExtendCredit_lbl0" xml:lang="en-US">Unused Commitments to Extend Credit</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnusedCommitmentsToExtendCredit" xlink:to="us-gaap_UnusedCommitmentsToExtendCredit_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl1" xml:lang="en-US">Increase (Decrease) in Operating Capital [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HeldToMaturitySecuritiesAbstract_lbl0" xml:lang="en-US">Debt Securities, Held-to-maturity, Fair Value to Amortized Cost [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesAbstract" xlink:to="us-gaap_HeldToMaturitySecuritiesAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdvertisingExpense_lbl0" xml:lang="en-US">Advertising Expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdvertisingExpense" xlink:to="us-gaap_AdvertisingExpense_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_lbl0" xml:lang="en-US">Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment" xlink:to="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherRealEstateRollForwardTableTextBlock_lbl0" xml:lang="en-US">Other Real Estate, Roll Forward [Table Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateRollForwardTableTextBlock" xlink:to="us-gaap_OtherRealEstateRollForwardTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NumberOfReportingUnits_lbl0" xml:lang="en-US">Number of Reporting Units</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd_lbl0" xml:lang="en-US">Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LaborAndRelatedExpense_lbl0" xml:lang="en-US">Labor and Related Expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LaborAndRelatedExpense" xlink:to="us-gaap_LaborAndRelatedExpense_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InformationTechnologyAndDataProcessing_lbl0" xml:lang="en-US">Information Technology and Data Processing</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment_lbl0" xml:lang="en-US">Debt Securities, Held-to-maturity, Amortized Cost, before Other-than-temporary Impairment</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankStock_lbl0" xml:lang="en-US">Federal Home Loan Bank Stock</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NonoperatingIncomeExpense_lbl0" xml:lang="en-US">Nonoperating Income (Expense)</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl0" xml:lang="en-US">Liabilities and Equity [Abstract]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentOther_lbl0" xml:lang="en-US">Property, Plant and Equipment, Other, Gross</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SecuritiesHeldAsCollateralAtFairValue_lbl0" xml:lang="en-US">Securities Held as Collateral, at Fair Value</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BankOwnedLifeInsurance_lbl0" xml:lang="en-US">Bank Owned Life Insurance</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl1" xml:lang="en-US">Financing Receivable, Past Due</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_MultifamilyMember_lbl1" xml:lang="en-US">Multifamily [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentMaturityDateDescription_lbl0" xml:lang="en-US">Debt Instrument, Maturity Date, Description</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_lbl0" xml:lang="en-US">Financing Receivable, Troubled Debt Restructuring, Postmodification</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl0" xml:lang="en-US">Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_lbl0" xml:lang="en-US">Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_MortgageLoansOnRealEstateFaceAmountOfMortgages_lbl0" xml:lang="en-US">SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Face Amount of Mortgages</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl1" xml:lang="en-US">Liabilities and Equity</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl1" xml:lang="en-US">Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl0" xml:lang="en-US">Entity Well-known Seasoned Issuer</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl0" xml:lang="en-US">Entity File Number</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl0" xml:lang="en-US">Entity Small Business</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_lbl0" xml:lang="en-US">Compensation and Employee Benefit Plans [Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:to="us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl0" xml:lang="en-US">Banking Regulation, Tier One Leverage Capital, Well Capitalized, Minimum</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherNoninterestExpense_lbl0" xml:lang="en-US">Other Noninterest Expense</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConsolidationPolicyTextBlock_lbl0" xml:lang="en-US">Consolidation, Policy [Policy Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConstructionMember_lbl0" xml:lang="en-US">Construction [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProvisionForLoanLossesExpensed_lbl0" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal)</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesAfterYearFive_lbl0" xml:lang="en-US">Time Deposit Maturities, after Year Five</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue_lbl0" xml:lang="en-US">Assets Designated to Closed Block, Fixed Maturity, Available-for-sale, at Fair Value</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HeldToMaturitySecurities_lbl0" xml:lang="en-US">Debt Securities, Held-to-maturity</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl1" xml:lang="en-US">Banking Regulation, Tier One Leverage Capital Ratio, Actual</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SubstandardMember_lbl0" xml:lang="en-US">Substandard [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl0" xml:lang="en-US">Loans Held-for-sale, Fair Value Disclosure</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Liabilities_lbl1" xml:lang="en-US">Liabilities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_lbl1" xml:lang="en-US">Increase (Decrease) in Accounts Payable and Other Operating Liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities" xlink:to="us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CurrentFederalTaxExpenseBenefit_lbl0" xml:lang="en-US">Current Federal Tax Expense (Benefit)</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl0" xml:lang="en-US">Document Period End Date</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_lbl0" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Year Five</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_lbl0" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Year Four</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_lbl0" xml:lang="en-US">Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1_lbl0" xml:lang="en-US">Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl1" xml:lang="en-US">Banking Regulation, Tier One Risk-Based Capital Ratio, Actual</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl0" xml:lang="en-US">Document Type</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfTreasuryStock_lbl0" xml:lang="en-US">Proceeds from Sale of Treasury Stock</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount_lbl0" xml:lang="en-US">Employee Stock Ownership Plan (ESOP), Debt Structure, Direct Loan, Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxesPaidNet_lbl0" xml:lang="en-US">Income Taxes Paid, Net</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EffectiveIncomeTaxRateContinuingOperations_lbl0" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Percent</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl0" xml:lang="en-US">Entity Interactive Data Current</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_lbl0" xml:lang="en-US">Allowance for Loan and Lease Loss, Recovery of Bad Debts</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield_lbl1" xml:lang="en-US">Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl0" xml:lang="en-US">Federal Home Loan Bank Borrowings, Fair Value Disclosure</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" xlink:to="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl0" xml:lang="en-US">Banking Regulation, Tier One Leverage Capital Ratio, Capital Adequacy, Minimum</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl0" xml:lang="en-US">Deposit Liabilities Disclosures [Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoanCommitmentsPolicy_lbl0" xml:lang="en-US">Loan Commitments, Policy [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoanCommitmentsPolicy" xlink:to="us-gaap_LoanCommitmentsPolicy_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage_lbl0" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherRealEstate_lbl2" xml:lang="en-US">Other Real Estate</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepositsSavingsDeposits_lbl0" xml:lang="en-US">Deposits, Savings Deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsSavingsDeposits" xlink:to="us-gaap_DepositsSavingsDeposits_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentGross_lbl0" xml:lang="en-US">Property, Plant and Equipment, Gross</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="us-gaap_PropertyPlantAndEquipmentGross_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockMember_lbl0" xml:lang="en-US">Common Stock [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl0" xml:lang="en-US">Gains (Losses) on Sales of Other Real Estate</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TreasuryStockShares_lbl0" xml:lang="en-US">Treasury Stock, Shares</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ParentMember_lbl0" xml:lang="en-US">Parent [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl1" xml:lang="en-US">Employee Stock Ownership Plan (ESOP), Compensation Expense</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairmentChargeOnReclassifiedAssets_lbl0" xml:lang="en-US">Impairment Charge on Reclassified Assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairmentChargeOnReclassifiedAssets" xlink:to="us-gaap_ImpairmentChargeOnReclassifiedAssets_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesYearOne_lbl0" xml:lang="en-US">Time Deposit Maturities, Year One</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl0" xml:lang="en-US">Current Fiscal Year End Date</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PolicyLoansReceivablePolicy_lbl0" xml:lang="en-US">Policy Loans Receivable, Policy [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyLoansReceivablePolicy" xlink:to="us-gaap_PolicyLoansReceivablePolicy_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Land_lbl0" xml:lang="en-US">Land</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl0" xml:lang="en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_UnrealizedGainLossOnSecurities_lbl0" xml:lang="en-US">Unrealized Gain (Loss) on Securities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockDividendsPerShareCashPaid_lbl0" xml:lang="en-US">Common Stock, Dividends, Per Share, Cash Paid</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock_lbl0" xml:lang="en-US">Additional Paid in Capital, Common Stock</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl0" xml:lang="en-US">Financing Receivable, 90 Days or More Past Due, Still Accruing</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_lbl0" xml:lang="en-US">Financing Receivable Credit Quality Indicators [Table Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProfessionalFees_lbl0" xml:lang="en-US">Professional Fees</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TaxesOther_lbl0" xml:lang="en-US">Taxes, Other</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_lbl0" xml:lang="en-US">Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_lbl0" xml:lang="en-US">Debt Securities, Available-for-sale, Amortized Cost</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl0" xml:lang="en-US">Increase (Decrease) in Accrued Interest Receivable, Net</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl1" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestIncomeAbstract_lbl0" xml:lang="en-US">Noninterest Income [Abstract]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositMaturitiesYearFour_lbl0" xml:lang="en-US">Time Deposit Maturities, Year Four</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl0" xml:lang="en-US">Payments for Origination of Mortgage Loans Held-for-sale</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl0" xml:lang="en-US">Financing Receivable, Past Due [Table Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxesPaidNetAbstract_lbl0" xml:lang="en-US">Income Taxes Paid, Net [Abstract]</label>
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<html>
<head>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404561197944">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Cash Flows - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash flows from operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="num">$ (12,547)<span></span>
</td>
<td class="nump">$ 812<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_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net (loss) income to net cash provided by operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="nump">13,560<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation</a></td>
<td class="nump">277<span></span>
</td>
<td class="nump">282<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AccretionOfPurchasedLoanDiscount', window );">Accretion of purchased loan discount</a></td>
<td class="num">(97)<span></span>
</td>
<td class="num">(90)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AmortizationOfPurchasedLoanPremium', window );">Amortization of purchased loan premium</a></td>
<td class="nump">10<span></span>
</td>
<td class="nump">11<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_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Amortization of discounts and premiums on investment securities, net</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AmortizationAccretionOfDeferredLoanOriginationCosts', window );">Amortization of deferred loan origination costs (fees)</a></td>
<td class="nump">85<span></span>
</td>
<td class="nump">82<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_us-gaap_GainLossOnSalesOfLoansNet', window );">Net gain on sale of loans</a></td>
<td class="num">(186)<span></span>
</td>
<td class="num">(29)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairmentOfInvestments', window );">Valuation adjustment of REO</a></td>
<td class="nump">36<span></span>
</td>
<td class="nump">66<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_us-gaap_GainsLossesOnSalesOfInvestmentRealEstate', window );">Net gain on real estate owned</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(10)<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_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense', window );">ESOP compensation expense</a></td>
<td class="nump">112<span></span>
</td>
<td class="nump">158<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_us-gaap_GainLossOnSaleOfPropertyPlantEquipment', window );">Net gain on sale of property &amp; equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(9)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EarningsOnBankOwnedLifeInsurance', window );">Earnings on bank-owned life insurance</a></td>
<td class="num">(76)<span></span>
</td>
<td class="num">(74)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ProvisionForLoanLosses', window );">Provision for loan losses</a></td>
<td class="nump">103<span></span>
</td>
<td class="nump">11<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_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale', window );">Origination of loans held for sale</a></td>
<td class="num">(5,598)<span></span>
</td>
<td class="num">(821)<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_us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale', window );">Proceeds from loans held for sale</a></td>
<td class="nump">5,117<span></span>
</td>
<td class="nump">850<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_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract', window );"><strong>Increase (decrease) in cash, due to changes in:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet', window );">Accrued interest receivable</a></td>
<td class="num">(72)<span></span>
</td>
<td class="num">(52)<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_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets', window );">Prepaid expenses and other assets</a></td>
<td class="num">(62)<span></span>
</td>
<td class="nump">25<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_us-gaap_IncreaseDecreaseInInterestPayableNet', window );">Accrued interest payable</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities', window );">Accounts payable and other liabilities</a></td>
<td class="nump">111<span></span>
</td>
<td class="num">(239)<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_kffb_FederalIncomeTaxBenefitAbstract', window );"><strong>Federal income tax (benefit)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit', window );">Current</a></td>
<td class="nump">131<span></span>
</td>
<td class="num">(124)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit', window );">Deferred</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">141<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
<td class="nump">1,042<span></span>
</td>
<td class="nump">1,002<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_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash flows from investing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Purchase of investment securities available for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(994)<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_us-gaap_PaymentsForDepositsWithOtherInstitutions', window );">Purchase of time deposits in other financial institutions</a></td>
<td class="num">(2,500)<span></span>
</td>
<td class="num">(4,486)<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_us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments', window );">Maturities of time deposits in other financial institutions</a></td>
<td class="nump">7,233<span></span>
</td>
<td class="nump">3,216<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_InvestmentSecuritiesMaturitiesPrepaymentsAndCallsAbstract', window );"><strong>Investment securities maturities, prepayments and calls:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities', window );">Held to maturity</a></td>
<td class="nump">169<span></span>
</td>
<td class="nump">220<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Available for sale</a></td>
<td class="nump">502<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_PurchaseOfFhlbStock', window );">Purchase of FHLB stock</a></td>
<td class="num">(16)<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ProceedsFromSaleOfInvestmentProjects', window );">Proceeds from sale of property &amp; equipment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">338<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_us-gaap_PaymentsForProceedsFromLoansAndLeases', window );">Loans originated for investment, net of principal collected</a></td>
<td class="num">(5,228)<span></span>
</td>
<td class="num">(10,806)<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_us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans', window );">Proceeds from sale of real estate owned</a></td>
<td class="nump">292<span></span>
</td>
<td class="nump">175<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AdditionsToRealEstateOwned', window );">Additions to real estate owned</a></td>
<td class="num">(44)<span></span>
</td>
<td class="num">(98)<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_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Additions to premises and equipment, net</a></td>
<td class="num">(165)<span></span>
</td>
<td class="num">(148)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
<td class="nump">243<span></span>
</td>
<td class="num">(12,579)<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_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Net change in deposits</a></td>
<td class="nump">16,437<span></span>
</td>
<td class="nump">183<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_us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance', window );">Payments by borrowers for taxes and insurance, net</a></td>
<td class="nump">37<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings', window );">Proceeds from Federal Home Loan Bank advances</a></td>
<td class="nump">23,500<span></span>
</td>
<td class="nump">43,150<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_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings', window );">Repayments on Federal Home Loan Bank advances</a></td>
<td class="num">(35,488)<span></span>
</td>
<td class="num">(29,499)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ProceedFromSaleOfTreasuryStock', window );">Treasury stock purchases</a></td>
<td class="num">(542)<span></span>
</td>
<td class="num">(904)<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_us-gaap_PaymentsOfDividendsCommonStock', window );">Dividends paid on common stock</a></td>
<td class="num">(1,388)<span></span>
</td>
<td class="num">(1,436)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by financing activities</a></td>
<td class="nump">2,556<span></span>
</td>
<td class="nump">11,495<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect', window );">Net increase (decrease) in cash and cash equivalents</a></td>
<td class="nump">3,841<span></span>
</td>
<td class="num">(82)<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_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Beginning cash and cash equivalents</a></td>
<td class="nump">9,861<span></span>
</td>
<td class="nump">9,943<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_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Ending cash and cash equivalents</a></td>
<td class="nump">13,702<span></span>
</td>
<td class="nump">9,861<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_us-gaap_IncomeTaxesPaidNetAbstract', window );"><strong>Cash paid during the year for:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaidNet', window );">Federal income taxes</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">100<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestPaidNet', window );">Interest on deposits and borrowings</a></td>
<td class="nump">3,500<span></span>
</td>
<td class="nump">3,246<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_us-gaap_NoncashInvestingAndFinancingItemsAbstract', window );"><strong>Supplemental disclosure of noncash investing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet', window );">Transfers from loans to real estate acquired through foreclosure</a></td>
<td class="nump">304<span></span>
</td>
<td class="nump">347<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure', window );">Loans disbursed upon sales of real estate acquired through foreclosure</a></td>
<td class="nump">$ 95<span></span>
</td>
<td class="nump">$ 214<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_AccretionOfPurchasedLoanDiscount">
<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>This element represents amount of non cash expense to amortize loan discount.</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;">kffb_AccretionOfPurchasedLoanDiscount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_AdditionsToRealEstateOwned">
<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 cash outflow from additions to real estate owned.</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;">kffb_AdditionsToRealEstateOwned</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_AmortizationAccretionOfDeferredLoanOriginationCosts">
<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>Amount of Amortization Expenses on Premiums paid on FHLB Advances.</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;">kffb_AmortizationAccretionOfDeferredLoanOriginationCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_AmortizationOfPurchasedLoanPremium">
<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>This element represents amount of non cash expense to amortize loan premium.</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;">kffb_AmortizationOfPurchasedLoanPremium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_EarningsOnBankOwnedLifeInsurance">
<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>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance.</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;">kffb_EarningsOnBankOwnedLifeInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_FederalIncomeTaxBenefitAbstract">
<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 );">- References</a><div><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;">kffb_FederalIncomeTaxBenefitAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit">
<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>IncreaseDecreaseInCurrentFederalIncomeTaxBenefit</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;">kffb_IncreaseDecreaseInCurrentFederalIncomeTaxBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit">
<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 increase (decrease) during the reporting period in the deferred federal income tax (benefit).</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;">kffb_IncreaseDecreaseInDeferredFederalIncomeTaxBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_InvestmentSecuritiesMaturitiesPrepaymentsAndCallsAbstract">
<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 );">- References</a><div><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;">kffb_InvestmentSecuritiesMaturitiesPrepaymentsAndCallsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure">
<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 cash outflow associated with loan origination (the process when securing a mortgage for a piece of real property) when the property was classified as real estate acquired through foreclosure.</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;">kffb_LoansMadeOnSaleOfRealEstateAcquiredThroughForeclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ProceedFromSaleOfTreasuryStock">
<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 );">- References</a><div><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;">kffb_ProceedFromSaleOfTreasuryStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ProvisionForLoanLosses">
<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>Amount related to loss from loan transactions.</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;">kffb_ProvisionForLoanLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_PurchaseOfFhlbStock">
<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 );">- References</a><div><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;">kffb_PurchaseOfFhlbStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet">
<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 noncash transfer of the amount of loan principal reclassified to real estate acquired through foreclosure.</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;">kffb_TransfersFromLoansToRealEstateAcquiredThroughForeclosureNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<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>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121566466&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect">
<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>Amount of increase (decrease) in cash and cash equivalents, and cash and cash equivalents restricted to withdrawal or usage; excluding effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=98513438&amp;loc=d3e33268-110906<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
<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 amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Depreciation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 amount of plan compensation cost recognized during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfPropertyPlantEquipment">
<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>Amount of gain (loss) on sale or disposal of property, plant and equipment assets, including oil and gas property and timber property.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<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;">us-gaap_GainLossOnSaleOfPropertyPlantEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSalesOfLoansNet">
<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 net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.3(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSalesOfLoansNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainsLossesOnSalesOfInvestmentRealEstate">
<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 net gain (loss) resulting from sales and other disposals of real estate owned for investment purposes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(b)(9)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 360<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=117337411&amp;loc=d3e23528-158515<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(b)(7)(c))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(14)(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 360<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=117337397&amp;loc=d3e23439-158514<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(3)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 360<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=117337397&amp;loc=d3e23415-158514<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;">us-gaap_GainsLossesOnSalesOfInvestmentRealEstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
<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>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121556970&amp;loc=d3e13854-109267<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=121556970&amp;loc=d3e13816-109267<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=99380562&amp;loc=d3e13777-109266<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;">us-gaap_GoodwillImpairmentLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairmentOfInvestments">
<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 amount by which the fair value of an investment is less than the amortized cost basis or carrying amount of that investment at the balance sheet date and the decline in fair value is deemed to be other than temporary, before considering whether or not such amount is recognized in earnings or other comprehensive income.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8A<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=SL6284422-111562<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;">us-gaap_ImpairmentOfInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaidNet">
<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 amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income, net of any cash received during the current period as refunds for the overpayment of taxes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=d3e4297-108586<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxesPaidNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaidNetAbstract">
<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 );">- References</a><div><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;">us-gaap_IncomeTaxesPaidNetAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities">
<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>Amount of increase (decrease) in obligations incurred but not paid, and operating obligations classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet">
<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 increase (decrease) during the reporting period in the amount due from borrowers for interest payments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance">
<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>Amount of increase (decrease) in prepayments received from borrowers for taxes and insurance remitted to the appropriate tax authority or insurer on behalf of the borrower.</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;">us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeposits">
<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 net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3095-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121551529&amp;loc=d3e60009-112784<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInInterestPayableNet">
<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 increase (decrease) during the reporting period in interest payable, which represents the amount owed to note holders, bond holders, and other parties for interest earned on loans or credit extended to the reporting entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInInterestPayableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract">
<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 );">- References</a><div><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;">us-gaap_IncreaseDecreaseInOperatingCapitalAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets">
<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>Amount of increase (decrease) in prepaid expenses, and assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of cash paid for interest, excluding capitalized interest, classified as operating activity. Includes, but is not limited to, payment to settle zero-coupon bond for accreted interest of debt discount and debt instrument with insignificant coupon interest rate in relation to effective interest rate of borrowing attributable to accreted interest of debt discount.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121583591&amp;loc=d3e4297-108586<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 17<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3367-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3536-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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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 );">- References</a><div><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>
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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>Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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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 );">- References</a><div><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;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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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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</div></td></tr>
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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>Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3536-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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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 );">- References</a><div><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;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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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>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 4: 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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">us-gaap_NoncashInvestingAndFinancingItemsAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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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>Cash paid to make deposits at other institutions during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3536-108585<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;">us-gaap_PaymentsForDepositsWithOtherInstitutions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 amount of cash paid for the origination of mortgages that are held for sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3536-108585<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3461-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromLoansAndLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e24072-122690<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForProceedsFromLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsCommonStock">
<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>Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDividendsCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities">
<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 cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26853-111562<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (a),(b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3213-108585<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;">us-gaap_PaymentsToAcquireAvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3213-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of cash inflow from Federal Home Loan Bank (FHLBank) borrowing, classified as financing activity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3255-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromFederalHomeLoanBankBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of cash inflow from maturity, prepayment and call of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26853-111562<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3151-108585<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3179-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities">
<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 cash inflow associated with the maturity, prepayments and calls (requests for early payments) of debt securities designated as held-to-maturity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3179-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26853-111562<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments">
<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 cash inflow associated with the sale and maturity (principal being due) of other investments, prepayment and call (request of early payment) of other investments not otherwise defined in the taxonomy.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3179-108585<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;">us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfInvestmentProjects">
<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 cash inflow from the sale of investment projects held by an entity in hopes of getting a future return or interest from it.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3179-108585<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;">us-gaap_ProceedsFromSaleOfInvestmentProjects</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale">
<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 cash inflow from sales of loans that are secured with real estate mortgages and are held with the intention to resell in the near future.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 21<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3461-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3536-108585<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;">us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans">
<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 cash inflow from proceeds From Sales of Wholly Owned Real Estate and Real Estate Acquired in Settlement of Loans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3179-108585<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;">us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of cash outflow for repayment of Federal Home Loan Bank (FHLBank) borrowing, classified as financing activity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<html>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404565841976">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Changes in Shareholders&#8217; Equity (Parentheticals) - $ / shares<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_us-gaap_StatementOfStockholdersEquityAbstract', window );"><strong>Statement of Stockholders' Equity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareCashPaid', window );">Cash dividends of per common share</a></td>
<td class="nump">$ 0.40<span></span>
</td>
<td class="nump">$ 0.40<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareCashPaid">
<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>Aggregate dividends paid during the period for each share of common stock outstanding.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></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;">us-gaap_CommonStockDividendsPerShareCashPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfStockholdersEquityAbstract">
<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 );">- References</a><div><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;">us-gaap_StatementOfStockholdersEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<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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<DOCUMENT>
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404558770328">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Statements of Changes in Shareholders&#8217; Equity - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Common stock</div></th>
<th class="th"><div>Additional paid-in capital</div></th>
<th class="th"><div>Retained earnings</div></th>
<th class="th"><div>Unearned employee stock ownership plan (ESOP)</div></th>
<th class="th"><div>Treasury shares</div></th>
<th class="th"><div>Accumulated other comprehensive income</div></th>
<th class="th"><div>Total</div></th>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Jun. 30, 2018</a></td>
<td class="nump">$ 86<span></span>
</td>
<td class="nump">$ 35,085<span></span>
</td>
<td class="nump">$ 34,050<span></span>
</td>
<td class="num">$ (663)<span></span>
</td>
<td class="num">$ (1,355)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 67,203<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_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">812<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">812<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_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition', window );">Allocation of ESOP shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(29)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">187<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">158<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_us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued', window );">Acquisition of shares for treasury</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(904)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(904)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ChangeInAccountingMethodForRetainedEarnings', window );">Change in accounting method</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">441<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">441<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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax', window );">Other Comprehensive Income (loss)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">4<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_us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings', window );">Cash dividends of $0.40 per common share</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(1,436)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(1,436)<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Jun. 30, 2019</a></td>
<td class="nump">86<span></span>
</td>
<td class="nump">35,056<span></span>
</td>
<td class="nump">33,867<span></span>
</td>
<td class="num">(476)<span></span>
</td>
<td class="num">(2,259)<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">66,278<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_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(12,547)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(12,547)<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_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition', window );">Allocation of ESOP shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(75)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">187<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">112<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_us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued', window );">Acquisition of shares for treasury</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(542)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(542)<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_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax', window );">Other Comprehensive Income (loss)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings', window );">Cash dividends of $0.40 per common share</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(1,388)<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="num">(1,388)<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Jun. 30, 2020</a></td>
<td class="nump">$ 86<span></span>
</td>
<td class="nump">$ 34,981<span></span>
</td>
<td class="nump">$ 19,932<span></span>
</td>
<td class="num">$ (289)<span></span>
</td>
<td class="num">$ (2,801)<span></span>
</td>
<td class="nump">$ 2<span></span>
</td>
<td class="nump">$ 51,911<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ChangeInAccountingMethodForRetainedEarnings">
<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>Change in accounting method.</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;">kffb_ChangeInAccountingMethodForRetainedEarnings</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<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_us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings">
<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>Amount of decrease in additional paid in capital (APIC) resulting from dividends legally declared (or paid) in excess of retained earnings balance.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToAdditionalPaidInCapitalDividendsInExcessOfRetainedEarnings</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<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>Amount of increase in additional paid-in capital (APIC) for recognition of cost for employee stock purchase program (ESPP) award under share-based payment arrangement.</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;">us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<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 portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 4: 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-SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22583-107794<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -URI 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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax">
<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>Amount after tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e689-108580<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e637-108580<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27357-111563<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 17A<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL34724391-108580<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;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued">
<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>Value of treasury shares or units reissued. Excludes reissuance of shares or units in treasury for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=109259400&amp;loc=d3e21463-112644<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<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;">us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<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>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember</td>
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<tr>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=kffb_UnearnedEmployeeStockOwnershipPlanMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404562159000">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Condensed Financial Statements of Kentucky First Federal Bancorp (Details) - Schedule of Statements of Cash Flows - Parent Company [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract', window );"><strong>Cash flows from operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) earnings for the year</a></td>
<td class="num">$ (12,547)<span></span>
</td>
<td class="nump">$ 812<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_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net earnings to net cash provided by operating activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AdjustmentsRelatedToSubsidiaries', window );">Excess (deficit) distributions over earnings (undistributed earnings) from consolidated subsidiaries</a></td>
<td class="nump">13,509<span></span>
</td>
<td class="nump">2,205<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_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense', window );">Noncash compensation expense</a></td>
<td class="nump">112<span></span>
</td>
<td class="nump">1,588<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_us-gaap_Depreciation', window );">Depreciation</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">11<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_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets', window );">Prepaid expenses and other assets</a></td>
<td class="nump">68<span></span>
</td>
<td class="num">(206)<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_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities', window );">Other liabilities</a></td>
<td class="nump">4<span></span>
</td>
<td class="num">(10)<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_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
<td class="nump">1,158<span></span>
</td>
<td class="nump">2,970<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_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Additions to premises and equipment, net</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash used in investing activities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract', window );"><strong>Cash flows from financing activities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfTreasuryStock', window );">Treasury stock purchases</a></td>
<td class="num">(542)<span></span>
</td>
<td class="num">(904)<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_us-gaap_PaymentsOfDividendsCommonStock', window );">Dividends paid on common stock</a></td>
<td class="num">(1,388)<span></span>
</td>
<td class="num">(1,436)<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_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash used in financing activities</a></td>
<td class="num">(1,930)<span></span>
</td>
<td class="num">(2,340)<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_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect', window );">Net increase (decrease) in cash and cash equivalents</a></td>
<td class="num">(772)<span></span>
</td>
<td class="nump">630<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_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Beginning cash and cash equivalents</a></td>
<td class="nump">2,255<span></span>
</td>
<td class="nump">1,625<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_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Ending cash and cash equivalents</a></td>
<td class="nump">$ 1,483<span></span>
</td>
<td class="nump">$ 2,255<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<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>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121566466&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect">
<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>Amount of increase (decrease) in cash, cash equivalents, and cash and cash equivalents restricted to withdrawal or usage; including effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=98513438&amp;loc=d3e33268-110906<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
<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 amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Depreciation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense">
<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 amount of plan compensation cost recognized during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities">
<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>Amount of increase (decrease) in obligations incurred but not paid, and operating obligations classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets">
<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>Amount of increase (decrease) in prepaid expenses, and assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations">
<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>Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<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;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract">
<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 );">- References</a><div><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;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations">
<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>Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3521-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3536-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract">
<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 );">- References</a><div><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;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 4: 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-SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22583-107794<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -URI 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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsCommonStock">
<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>Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3291-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDividendsCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<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 cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3213-108585<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfTreasuryStock">
<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 cash inflow from the issuance of an equity stock that has been previously reacquired by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3255-108585<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;">us-gaap_ProceedsFromSaleOfTreasuryStock</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404563975400">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Condensed Financial Statements of Kentucky First Federal Bancorp (Details) - Schedule of Statements of Income (Parentheticals) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
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<th class="th"><div>Jun. 30, 2020</div></th>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax', window );">Unrealized holding gains (losses) on securities designated as available for sale</a></td>
<td class="num">$ (1)<span></span>
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<td class="nump">$ 1<span></span>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before adjustment, of tax expense (benefit) for unrealized holding gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Excludes tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e640-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669646-108580<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404560484264">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Condensed Financial Statements of Kentucky First Federal Bancorp (Details) - Schedule of Statements of Income - Parent Company [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_IncomeAbstract', window );"><strong>Income</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Interest income</a></td>
<td class="nump">$ 42<span></span>
</td>
<td class="nump">$ 54<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_us-gaap_InterestAndDividendIncomeOperating', window );">Total income</a></td>
<td class="num">(12,281)<span></span>
</td>
<td class="nump">1,815<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_us-gaap_NoninterestExpense', window );">Non-interest expenses</a></td>
<td class="nump">325<span></span>
</td>
<td class="nump">382<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_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">(Loss) earnings before income taxes</a></td>
<td class="num">(12,606)<span></span>
</td>
<td class="nump">941<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_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations', window );">Federal income tax expense (benefit)</a></td>
<td class="num">(59)<span></span>
</td>
<td class="num">(106)<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_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="num">(12,547)<span></span>
</td>
<td class="nump">812<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_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive (loss) income</a></td>
<td class="num">(12,549)<span></span>
</td>
<td class="nump">816<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_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Unrealized holding gains (losses) on securities designated as available for sale during the year, net of taxes (benefits) of $(1) and $1 in 2020 and 2019, respectively</a></td>
<td class="num">(2)<span></span>
</td>
<td class="nump">4<span></span>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">First Federal of Hazard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_IncomeAbstract', window );"><strong>Income</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsCash', window );">Dividends</a></td>
<td class="nump">607<span></span>
</td>
<td class="nump">740<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UndistributedEarnings', window );">Equity in undistributed earnings</a></td>
<td class="num">(47)<span></span>
</td>
<td class="num">(224)<span></span>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Frankfort First [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_IncomeAbstract', window );"><strong>Income</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsCash', window );">Dividends</a></td>
<td class="nump">576<span></span>
</td>
<td class="nump">2,499<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UndistributedEarnings', window );">Equity in undistributed earnings</a></td>
<td class="num">$ (13,459)<span></span>
</td>
<td class="num">$ (1,981)<span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(24))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e557-108580<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(26))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669625-108580<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComprehensiveIncomeNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCash">
<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>Amount of paid and unpaid cash dividends declared for classes of stock, for example, but not limited to, common and preferred.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsCash</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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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>Amount of current and deferred federal income tax expense (benefit) attributable to income (loss) from continuing operations.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32672-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(i))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<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;">us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<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>Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=68072869&amp;loc=d3e41242-110953<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 235<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399901&amp;loc=d3e537907-122884<br><br>Reference 9: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(15))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<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;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
<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>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeases">
<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 aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndFeeIncomeLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<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 portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22694-107794<br><br>Reference 4: 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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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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>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestExpense</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax">
<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>Amount, after tax and before adjustment, of unrealized holding gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Excludes unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e637-108580<br></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;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 earnings that is allocated to common stock and participating securities to the extent that each security may share in earnings as if all of the earnings for the period had been distributed.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 66<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e2814-109256<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=SL5780133-109256<br></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;">us-gaap_UndistributedEarnings</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalOfHazardMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalOfFrankfortMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404560941960">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Condensed Financial Statements of Kentucky First Federal Bancorp (Details) - Schedule of Balance Sheets - Parent Company [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_OtherInterestbearingDeposit', window );">Other interest-bearing deposits</a></td>
<td class="nump">$ 34<span></span>
</td>
<td class="nump">$ 30<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_us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent', window );">Prepaid expenses and other assets</a></td>
<td class="nump">883<span></span>
</td>
<td class="nump">939<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_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">51,937<span></span>
</td>
<td class="nump">66,300<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_kffb_LiabilitiesAndShareholdersEquityAbstract0', window );"><strong>LIABILITIES AND SHAREHOLDERS&#8217; EQUITY</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsPayableAndOtherAccruedLiabilities', window );">Accounts payable and other liabilities</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">22<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_us-gaap_StockholdersEquity', window );">Shareholders&#8217; equity</a></td>
<td class="nump">51,911<span></span>
</td>
<td class="nump">66,278<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_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders&#8217; equity</a></td>
<td class="nump">51,937<span></span>
</td>
<td class="nump">66,300<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">First Federal of Hazard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_InterestbearingDeposits', window );">Interest-bearing deposits in First Federal of Hazard</a></td>
<td class="nump">1,282<span></span>
</td>
<td class="nump">1,168<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_us-gaap_Investments', window );">Investment in First Federal of Hazard</a></td>
<td class="nump">18,314<span></span>
</td>
<td class="nump">18,366<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">First Federal of Kentucky [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_InterestBearingDemandDeposits', window );">Interest-bearing deposits in First Federal of Kentucky</a></td>
<td class="nump">167<span></span>
</td>
<td class="nump">1,057<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Frankfort First [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_InvestmentInFrankfortFirst', window );">Investment in Frankfort First</a></td>
<td class="nump">$ 31,257<span></span>
</td>
<td class="nump">$ 44,740<span></span>
</td>
</tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of money in accounts that will bear interest and that the depositor is entitled to withdraw at any time without prior notice.</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;">kffb_InterestBearingDemandDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_InterestbearingDeposits">
<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 );">- References</a><div><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;">kffb_InterestbearingDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_InvestmentInFrankfortFirst">
<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 );">- References</a><div><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;">kffb_InvestmentInFrankfortFirst</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LiabilitiesAndShareholdersEquityAbstract0">
<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 );">- References</a><div><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;">kffb_LiabilitiesAndShareholdersEquityAbstract0</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_OtherInterestbearingDeposit">
<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 );">- References</a><div><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;">kffb_OtherInterestbearingDeposit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsPayableAndOtherAccruedLiabilities">
<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>Amount of liabilities incurred and payable to vendors for goods and services received, and accrued liabilities classified as 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;">us-gaap_AccountsPayableAndOtherAccruedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -URI http://asc.fasb.org/extlink&amp;oid=121559654&amp;loc=d3e5710-111685<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=116870748&amp;loc=SL6758485-165988<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">us-gaap_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Investments">
<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>Sum of the carrying amounts as of the balance sheet date of all investments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.1(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<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;">us-gaap_Investments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=116870748&amp;loc=SL6758485-165988<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -URI http://asc.fasb.org/extlink&amp;oid=121559654&amp;loc=d3e5710-111685<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19-26)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121559654&amp;loc=d3e5710-111685<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
<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>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent">
<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>Amount of asset related to consideration paid in advance for costs that provide economic benefits in future periods, and amount of other assets that are expected to be realized or consumed after one year or the normal operating cycle, if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<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;">us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalOfHazardMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalOfHazardMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalOfKentuckyMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalOfKentuckyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementBusinessSegmentsAxis=kffb_FrankfortFirstMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=kffb_FrankfortFirstMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404565820232">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Comprehensive (Loss) Income (Parentheticals) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract', window );"><strong>Statement of Comprehensive Income [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax', window );">Unrealized holding Gains (losses) on securities designated as available-for-sale</a></td>
<td class="num">$ (1)<span></span>
</td>
<td class="nump">$ 1<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax">
<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>Amount, before adjustment, of tax expense (benefit) for unrealized holding gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Excludes tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e640-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669646-108580<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract">
<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 );">- References</a><div><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;">us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>28
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404556400136">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Stockholders' Equity and Regulatory Capital (Details) - Schedule of minimum capital ratios<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Jun. 30, 2019 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=kffb_KentuckyFirstFederalMember', window );">Kentucky first federal [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_CommonEquityTier1CapitalRatioAbstract', window );"><strong>Common Equity Tier 1 capital ratio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapital', window );">Common Equity Tier 1 capital ratio, Actual Amount</a></td>
<td class="nump">$ 51,767<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapitalToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Actual Ratio</a></td>
<td class="nump">26.80%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacy', window );">Common Equity Tier 1 capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 8,685<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">4.50%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCommonEquityRequiredToBeWellCapitalized', window );">Common Equity Tier 1 capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio', window );">Common Equity Tier 1 capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_Tier1CoreCapitalRatioAbstract', window );"><strong>Tier 1 (core) capital ratio</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_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 (core) capital ratio, Actual Amount</a></td>
<td class="nump">$ 51,767<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_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 (core) capital ratio, Actual Ratio</a></td>
<td class="nump">26.8<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 (core) capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 11,581<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 (core) capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">6.00%<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_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 (core) capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 (core) capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="text"> <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_kffb_TotalCapitalRatioAbstract', window );"><strong>Total capital ratio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneRiskBaseCapital', window );">Total capital ratio, Actual Amount</a></td>
<td class="nump">$ 53,223<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalToRiskWeightedAssets', window );">Total capital ratio, Actual Ratio</a></td>
<td class="nump">27.50%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalRequiredForCapitalAdequacy', window );">Total capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 15,441<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio', window );">Total capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalRequiredToBeWellCapitalized', window );">Total capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TotalCapitalRatioMinimumRequirementToBeWellCapitalizedUnderPromptCorrectiveActio', window );">Total capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_Tier1LeverageCapitalToAverageAssetsAbstract', window );"><strong>Tier 1 leverage capital to average assets</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_us-gaap_TierOneLeverageCapital', window );">Tier 1 leverage capital to average assets, Actual Amount</a></td>
<td class="nump">$ 51,767<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_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 leverage capital to average assets, Actual Ratio</a></td>
<td class="nump">16.7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 leverage capital to average assets, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 12,424<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 leverage capital to average assets, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">4.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 leverage capital to average assets, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 leverage capital to average assets, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalOfHazardMember', window );">First federal of hazard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_CommonEquityTier1CapitalRatioAbstract', window );"><strong>Common Equity Tier 1 capital ratio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapital', window );">Common Equity Tier 1 capital ratio, Actual Amount</a></td>
<td class="nump">$ 18,275<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapitalToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Actual Ratio</a></td>
<td class="nump">38.50%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacy', window );">Common Equity Tier 1 capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 2,139<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">4.50%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCommonEquityRequiredToBeWellCapitalized', window );">Common Equity Tier 1 capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="nump">$ 3,090<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio', window );">Common Equity Tier 1 capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="nump">6.50%<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_kffb_Tier1CoreCapitalRatioAbstract', window );"><strong>Tier 1 (core) capital ratio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 (core) capital ratio, Actual Amount</a></td>
<td class="nump">$ 18,275<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_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 (core) capital ratio, Actual Ratio</a></td>
<td class="nump">38.5<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 (core) capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 2,852<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 (core) capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">6.00%<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_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 (core) capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="nump">$ 3,803<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_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 (core) capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="nump">8.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TotalCapitalRatioAbstract', window );"><strong>Total capital ratio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneRiskBaseCapital', window );">Total capital ratio, Actual Amount</a></td>
<td class="nump">$ 18,816<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalToRiskWeightedAssets', window );">Total capital ratio, Actual Ratio</a></td>
<td class="nump">39.60%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalRequiredForCapitalAdequacy', window );">Total capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 3,803<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio', window );">Total capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalRequiredToBeWellCapitalized', window );">Total capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="nump">$ 4,753<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TotalCapitalRatioMinimumRequirementToBeWellCapitalizedUnderPromptCorrectiveActio', window );">Total capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="nump">10.00%<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_kffb_Tier1LeverageCapitalToAverageAssetsAbstract', window );"><strong>Tier 1 leverage capital to average assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Tier 1 leverage capital to average assets, Actual Amount</a></td>
<td class="nump">$ 18,275<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_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 leverage capital to average assets, Actual Ratio</a></td>
<td class="nump">22.3<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 leverage capital to average assets, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 3,285<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 leverage capital to average assets, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">4.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 leverage capital to average assets, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="nump">$ 4,106<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_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 leverage capital to average assets, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="nump">5.0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalOfKentuckyMember', window );">First federal of kentucky [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_CommonEquityTier1CapitalRatioAbstract', window );"><strong>Common Equity Tier 1 capital ratio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapital', window );">Common Equity Tier 1 capital ratio, Actual Amount</a></td>
<td class="nump">$ 29,659<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapitalToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Actual Ratio</a></td>
<td class="nump">20.40%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacy', window );">Common Equity Tier 1 capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 6,543<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">4.50%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCommonEquityRequiredToBeWellCapitalized', window );">Common Equity Tier 1 capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="nump">$ 9,451<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio', window );">Common Equity Tier 1 capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="nump">6.50%<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_kffb_Tier1CoreCapitalRatioAbstract', window );"><strong>Tier 1 (core) capital ratio</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_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 (core) capital ratio, Actual Amount</a></td>
<td class="nump">$ 29,659<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_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 (core) capital ratio, Actual Ratio</a></td>
<td class="nump">20.4<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_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 (core) capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 8,724<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 (core) capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">6.00%<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_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 (core) capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="nump">$ 11,632<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_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 (core) capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="nump">8.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TotalCapitalRatioAbstract', window );"><strong>Total capital ratio</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneRiskBaseCapital', window );">Total capital ratio, Actual Amount</a></td>
<td class="nump">$ 30,574<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalToRiskWeightedAssets', window );">Total capital ratio, Actual Ratio</a></td>
<td class="nump">21.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalRequiredForCapitalAdequacy', window );">Total capital ratio, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 11,632<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio', window );">Total capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalRequiredToBeWellCapitalized', window );">Total capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="nump">$ 14,540<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TotalCapitalRatioMinimumRequirementToBeWellCapitalizedUnderPromptCorrectiveActio', window );">Total capital ratio, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="nump">10.00%<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_kffb_Tier1LeverageCapitalToAverageAssetsAbstract', window );"><strong>Tier 1 leverage capital to average assets</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_us-gaap_TierOneLeverageCapital', window );">Tier 1 leverage capital to average assets, Actual Amount</a></td>
<td class="nump">$ 29,659<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_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 leverage capital to average assets, Actual Ratio</a></td>
<td class="nump">12.9<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 leverage capital to average assets, Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 9,175<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_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 leverage capital to average assets, Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">4.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 leverage capital to average assets, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Amount</a></td>
<td class="nump">$ 11,469<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_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 leverage capital to average assets, Minimum Requirement To be "Well- Capitalized" Under Prompt Corrective Action Provisions Ratio</a></td>
<td class="nump">5.0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_CommonEquityTier1CapitalRatioAbstract">
<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 );">- References</a><div><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;">kffb_CommonEquityTier1CapitalRatioAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_RiskBasedCapitalRequiredForCapitalAdequacy">
<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 );">- References</a><div><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;">kffb_RiskBasedCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_RiskBasedCapitalRequiredToBeWellCapitalized">
<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 );">- References</a><div><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;">kffb_RiskBasedCapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_RiskBasedCapitalToRiskWeightedAssets">
<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 );">- References</a><div><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;">kffb_RiskBasedCapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_RiskBasedCommonEquityRequiredToBeWellCapitalized">
<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 );">- References</a><div><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;">kffb_RiskBasedCommonEquityRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio">
<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 );">- References</a><div><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;">kffb_RiskBasedCommonEquityRequiredToBeWellCapitalizedToRiskWeightedAssetsRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_Tier1CoreCapitalRatioAbstract">
<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 );">- References</a><div><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;">kffb_Tier1CoreCapitalRatioAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_Tier1LeverageCapitalToAverageAssetsAbstract">
<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 );">- References</a><div><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;">kffb_Tier1LeverageCapitalToAverageAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_TierOneCommonEquityCapital">
<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 );">- References</a><div><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;">kffb_TierOneCommonEquityCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_TierOneCommonEquityCapitalToAverageAssetsRatio">
<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 );">- References</a><div><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;">kffb_TierOneCommonEquityCapitalToAverageAssetsRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacy">
<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 );">- References</a><div><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;">kffb_TierOneCommonEquityRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio">
<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 );">- References</a><div><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;">kffb_TierOneCommonEquityRequiredForCapitalAdequacyToAverageAssetsRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_TierOneRiskBaseCapital">
<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 );">- References</a><div><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;">kffb_TierOneRiskBaseCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets">
<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 );">- References</a><div><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;">kffb_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_TotalCapitalRatioAbstract">
<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 );">- References</a><div><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;">kffb_TotalCapitalRatioAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio">
<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>Total capital ratio, Minimum Requirement For Capital Adequacy Purposes Ratio.</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;">kffb_TotalCapitalRatioMinimumRequirementForCapitalAdequacyPurposesRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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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 );">- References</a><div><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;">kffb_TotalCapitalRatioMinimumRequirementToBeWellCapitalizedUnderPromptCorrectiveActio</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>Amount of Tier 1 leverage capital as defined by regulatory framework.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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<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>Amount of minimum Tier 1 leverage capital required for capital adequacy as defined by regulatory framework.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Ratio of minimum Tier 1 leverage capital to average assets required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of minimum Tier 1 leverage capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Ratio of minimum Tier 1 leverage capital to average assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Ratio of Tier 1 capital to average assets as defined by regulatory framework.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapital">
<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>Amount of Tier 1 risk-based capital as defined by regulatory framework.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy">
<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>Amount of minimum Tier 1 risk-based capital required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1B<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958570-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized">
<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>Amount of minimum Tier 1 risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
<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>Ratio of minimum Tier 1 risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets">
<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>Ratio of Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementBusinessSegmentsAxis=kffb_KentuckyFirstFederalMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=kffb_KentuckyFirstFederalMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<tr>
<td><strong> Period Type:</strong></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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalOfHazardMember</td>
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<tr>
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<td>na</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalOfKentuckyMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404556448024">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Stockholders' Equity and Regulatory Capital (Details) - Schedule of regulatory capitals<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Jun. 30, 2020 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalSavingsAndLoanAssociationOfHazardMember', window );">First federal savings and loan association of hazard [Member] | Community bank leverage ratio [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalAbstract', window );"><strong>Risk-based capital:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapital', window );">Common Equity Tier 1 capital ratio, Actual Amount</a></td>
<td class="nump">$ 18,256<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapitalToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Actual Ratio</a></td>
<td class="nump">21.90%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacy', window );">Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 3,740<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_MinimumRequirementForCapitalAdequacyPurposesRatio', window );">Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalSavingsBankOfKentuckyMember', window );">First federal savings bank of kentucky [Member] | Community bank leverage ratio [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalAbstract', window );"><strong>Risk-based capital:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapital', window );">Common Equity Tier 1 capital ratio, Actual Amount</a></td>
<td class="nump">$ 29,898<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapitalToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Actual Ratio</a></td>
<td class="nump">12.10%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacy', window );">Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 15,153<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_MinimumRequirementForCapitalAdequacyPurposesRatio', window );">Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalUnitsByClassAxis=kffb_CommonEquityTierOneCapitalRatioMember', window );">Common equity tier 1 capital ratio [Member] | Risk based capital [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalAbstract', window );"><strong>Risk-based capital:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapital', window );">Common Equity Tier 1 capital ratio, Actual Amount</a></td>
<td class="nump">$ 50,962<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapitalToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Actual Ratio</a></td>
<td class="nump">27.60%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacy', window );">Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 8,305<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_MinimumRequirementForCapitalAdequacyPurposesRatio', window );">Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">4.50%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalUnitsByClassAxis=kffb_TierOneCoreCapitalRatioMember', window );">Tier 1 core capital ratio [Member] | Risk based capital [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalAbstract', window );"><strong>Risk-based capital:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapital', window );">Common Equity Tier 1 capital ratio, Actual Amount</a></td>
<td class="nump">$ 50,962<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapitalToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Actual Ratio</a></td>
<td class="nump">27.60%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacy', window );">Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 11,073<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_MinimumRequirementForCapitalAdequacyPurposesRatio', window );">Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">6.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalUnitsByClassAxis=kffb_CapitalRatioMember', window );">Total capital ratio [Member] | Risk based capital [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalAbstract', window );"><strong>Risk-based capital:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapital', window );">Common Equity Tier 1 capital ratio, Actual Amount</a></td>
<td class="nump">$ 50,962<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapitalToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Actual Ratio</a></td>
<td class="nump">27.60%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacy', window );">Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 14,764<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_MinimumRequirementForCapitalAdequacyPurposesRatio', window );">Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">8.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalUnitsByClassAxis=kffb_TierOneLeverageCapitalToAverageAssetsMember', window );">Tier 1 leverage capital to average assets [Member] | Leverage capital [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RiskBasedCapitalAbstract', window );"><strong>Risk-based capital:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapital', window );">Common Equity Tier 1 capital ratio, Actual Amount</a></td>
<td class="nump">$ 50,962<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityCapitalToAverageAssetsRatio', window );">Common Equity Tier 1 capital ratio, Actual Ratio</a></td>
<td class="nump">15.40%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TierOneCommonEquityRequiredForCapitalAdequacy', window );">Minimum Requirement For Capital Adequacy Purposes Amount</a></td>
<td class="nump">$ 13,220<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_MinimumRequirementForCapitalAdequacyPurposesRatio', window );">Minimum Requirement For Capital Adequacy Purposes Ratio</a></td>
<td class="nump">4.00%<span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">kffb_MinimumRequirementForCapitalAdequacyPurposesRatio</td>
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<td>instant</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">kffb_TierOneCommonEquityCapital</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">kffb_TierOneCommonEquityCapitalToAverageAssetsRatio</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">kffb_TierOneCommonEquityRequiredForCapitalAdequacy</td>
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<td>credit</td>
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<td>instant</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalSavingsAndLoanAssociationOfHazardMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementBusinessSegmentsAxis=kffb_FirstFederalSavingsBankOfKentuckyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalUnitsByClassAxis=kffb_CommonEquityTierOneCapitalRatioMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CollateralAxis=kffb_RiskBasedCapitalMember</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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalUnitsByClassAxis=kffb_TierOneCoreCapitalRatioMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalUnitsByClassAxis=kffb_CapitalRatioMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalUnitsByClassAxis=kffb_TierOneLeverageCapitalToAverageAssetsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CollateralAxis=kffb_LeverageCapitalMember</td>
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<td>na</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>30
<FILENAME>R67.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404556318952">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity and Regulatory Capital (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_kffb_StockholdersEquityandRegulatoryCapitalDetailsLineItems', window );"><strong>Stockholders' Equity and Regulatory Capital (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_QualifiedThriftLenderTestDescription', window );">Qualified Thrift Lender test, description</a></td>
<td class="text">Federal regulations require the Banks comply with the Qualified Thrift Lender (&#x201c;QTL&#x201d;) test, which requires that 65% of assets be maintained in housing-related finance and other specified assets.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AverageTotalConsolidatedAssets', window );">Average total consolidated assets (in Dollars)</a></td>
<td class="nump">$ 10,000.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LeverageRatio', window );">Leverage Ratio</a></td>
<td class="nump">9.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DescriptionOfFactorsThatMayAffectMinimumNetWorthRequirements', window );">Description of minimum risk-based capital requirements</a></td>
<td class="text">The first of the April 2020 interim final rules reduced the minimum ratio from 9% to 8% for those banking organizations otherwise meeting the other existing qualifying criteria) as well as establishing a two-quarter grace period for qualifying community banking organizations whose leverage ratios fall below the 8% CBLR requirement, so long as the banking organization maintains a leverage ratio of 7% or greater. The second interim final rule provides a transition from the temporary 8% CBLR requirement to a 9% requirement. It establishes a minimum CBLR of 8% for the second through fourth quarters of 2020, an 8.5% minimum for 2021 and 9% thereafter, while maintaining a two-quarter grace period for qualifying community banking organizations whose leverage ratios fall no more than 100 basis points below the applicable CBLR requirement. The Company intends to continue with the existing layered ratio structure. Under this framework the Company and the Banks would be considered well-capitalized under the applicable guidelines.<span></span>
</td>
<td class="text">&#160;<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_us-gaap_BankingRegulationTotalRiskBasedCapitalRatioUndercapitalizedMinimum', window );">Banks qualify percentage</a></td>
<td class="nump">0.025<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_DividendsWaived', window );">First Federal MHC waived dividends (in Dollars)</a></td>
<td class="nump">$ 1.9<span></span>
</td>
<td class="nump">$ 1.9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_CapitalRulesAxis=kffb_NewCapitalRulesMember', window );">New capital rules [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_StockholdersEquityandRegulatoryCapitalDetailsLineItems', window );"><strong>Stockholders' Equity and Regulatory Capital (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Common equity Tier 1 risk-based capital ratio</a></td>
<td class="nump">0.065<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 risk-based capital ratio</a></td>
<td class="nump">0.080<span></span>
</td>
<td class="text">&#160;<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_us-gaap_CapitalToRiskWeightedAssets', window );">Total risk-based capital ratio</a></td>
<td class="nump">0.100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 leverage ratio</a></td>
<td class="nump">0.050<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_AverageTotalConsolidatedAssets">
<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 );">- References</a><div><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;">kffb_AverageTotalConsolidatedAssets</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_DividendsWaived">
<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 );">- References</a><div><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;">kffb_DividendsWaived</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LeverageRatio">
<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 );">- References</a><div><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;">kffb_LeverageRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_QualifiedThriftLenderTestDescription">
<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 );">- References</a><div><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;">kffb_QualifiedThriftLenderTestDescription</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_StockholdersEquityandRegulatoryCapitalDetailsLineItems">
<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 );">- References</a><div><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;">kffb_StockholdersEquityandRegulatoryCapitalDetailsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankingRegulationTotalRiskBasedCapitalRatioUndercapitalizedMinimum">
<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>Ratio of minimum total risk-based capital to risk-weighted assets categorized as undercapitalized as defined by regulatory framework for prompt corrective action.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankingRegulationTotalRiskBasedCapitalRatioUndercapitalizedMinimum</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Ratio of total risk-based capital to risk-weighted assets as defined by regulatory framework.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalToRiskWeightedAssets</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DescriptionOfFactorsThatMayAffectMinimumNetWorthRequirements">
<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>Disclosure for all mortgage companies, containing a description of factors that may affect adequacy of minimum net worth requirements such as potentially volatile components of capital, qualitative factors, and regulatory mandates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47080-110998<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;">us-gaap_DescriptionOfFactorsThatMayAffectMinimumNetWorthRequirements</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalToAverageAssets">
<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>Ratio of Tier 1 capital to average assets as defined by regulatory framework.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalToAverageAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
<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>Ratio of minimum Tier 1 risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets">
<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>Ratio of Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_CapitalRulesAxis=kffb_NewCapitalRulesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404562187960">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loan Commitments (Details) - Schedule of outstanding loan commitments - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentsAxis=kffb_UnusedCommitmentsRevolvingOpenendLinesSecuredByRealEstateMember', window );">Unused commitment revolving, open-end lines secured by real estate [Member] | Fixed [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentAbstract', window );"><strong>Unused commitment:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnusedCommitmentsToExtendCredit', window );">Outstanding loan commitments</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentsAxis=kffb_UnusedCommitmentsRevolvingOpenendLinesSecuredByRealEstateMember', window );">Unused commitment revolving, open-end lines secured by real estate [Member] | Variable [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentAbstract', window );"><strong>Unused commitment:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnusedCommitmentsToExtendCredit', window );">Outstanding loan commitments</a></td>
<td class="nump">10,354<span></span>
</td>
<td class="nump">9,520<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentsAxis=kffb_UnusedCommitmentUnusedCommitmentMember', window );">Unused commitment commitments to fund real estate construction loans [Member] | Fixed [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentAbstract', window );"><strong>Unused commitment:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnusedCommitmentsToExtendCredit', window );">Outstanding loan commitments</a></td>
<td class="nump">854<span></span>
</td>
<td class="nump">2,715<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentsAxis=kffb_UnusedCommitmentUnusedCommitmentMember', window );">Unused commitment commitments to fund real estate construction loans [Member] | Variable [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentAbstract', window );"><strong>Unused commitment:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnusedCommitmentsToExtendCredit', window );">Outstanding loan commitments</a></td>
<td class="nump">8,443<span></span>
</td>
<td class="nump">3,386<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsCommercialAndIndustrialLoansMember', window );">Other unused commitment commercial and industrial loans [Member] | Fixed [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentAbstract', window );"><strong>Unused commitment:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnusedCommitmentsToExtendCredit', window );">Outstanding loan commitments</a></td>
<td class="nump">2,541<span></span>
</td>
<td class="nump">2,156<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsCommercialAndIndustrialLoansMember', window );">Other unused commitment commercial and industrial loans [Member] | Variable [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentAbstract', window );"><strong>Unused commitment:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnusedCommitmentsToExtendCredit', window );">Outstanding loan commitments</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsOtherMember', window );">Other unused commitment other [Member] | Fixed [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentAbstract', window );"><strong>Unused commitment:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnusedCommitmentsToExtendCredit', window );">Outstanding loan commitments</a></td>
<td class="nump">1,576<span></span>
</td>
<td class="nump">1,145<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsOtherMember', window );">Other unused commitment other [Member] | Variable [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentAbstract', window );"><strong>Unused commitment:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnusedCommitmentsToExtendCredit', window );">Outstanding loan commitments</a></td>
<td class="nump">2,454<span></span>
</td>
<td class="nump">1,240<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsLettersOfCreditMember', window );">Other unused commitment Letters of credit [Member] | Fixed [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentAbstract', window );"><strong>Unused commitment:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnusedCommitmentsToExtendCredit', window );">Outstanding loan commitments</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsLettersOfCreditMember', window );">Other unused commitment Letters of credit [Member] | Variable [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnusedCommitmentAbstract', window );"><strong>Unused commitment:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnusedCommitmentsToExtendCredit', window );">Outstanding loan commitments</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_UnusedCommitmentAbstract">
<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 );">- References</a><div><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;">kffb_UnusedCommitmentAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnusedCommitmentsToExtendCredit">
<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>Unused amount of commitments to extend credit to customers.</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;">us-gaap_UnusedCommitmentsToExtendCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
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<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_UnusedCommitmentsAxis=kffb_UnusedCommitmentsRevolvingOpenendLinesSecuredByRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_UnusedCommitmentsAxis=kffb_UnusedCommitmentsRevolvingOpenendLinesSecuredByRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_CommitmentAxis=kffb_FixedMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_CommitmentAxis=kffb_FixedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_CommitmentAxis=kffb_VariableMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_UnusedCommitmentsAxis=kffb_UnusedCommitmentUnusedCommitmentMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_UnusedCommitmentsAxis=kffb_UnusedCommitmentUnusedCommitmentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsCommercialAndIndustrialLoansMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsCommercialAndIndustrialLoansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsOtherMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsOtherMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsLettersOfCreditMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_UnusedCommitmentsAxis=kffb_OtherUnusedCommitmentsLettersOfCreditMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<TYPE>XML
<SEQUENCE>32
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404561211192">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loan Commitments (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoanCommitmentsDetailsLineItems', window );"><strong>Loan Commitments (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateFaceAmountOfMortgages', window );">Fixed rate loan commitments</a></td>
<td class="nump">$ 854,000<span></span>
</td>
<td class="nump">$ 2,700,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_RangeAxis=srt_MinimumMember', window );">Minimum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoanCommitmentsDetailsLineItems', window );"><strong>Loan Commitments (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateInterestRate', window );">Loan commitments interest rates</a></td>
<td class="nump">3.25%<span></span>
</td>
<td class="nump">3.75%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_MortgageLoansOnRealEstateMaturityTerm', window );">Loan commitments maturities term</a></td>
<td class="text">1 year<span></span>
</td>
<td class="text">7 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</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_kffb_LoanCommitmentsDetailsLineItems', window );"><strong>Loan Commitments (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateInterestRate', window );">Loan commitments interest rates</a></td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_MortgageLoansOnRealEstateMaturityTerm', window );">Loan commitments maturities term</a></td>
<td class="text">30 years<span></span>
</td>
<td class="text">20 years<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoanCommitmentsDetailsLineItems">
<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 );">- References</a><div><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;">kffb_LoanCommitmentsDetailsLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">kffb_MortgageLoansOnRealEstateMaturityTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_MortgageLoansOnRealEstateFaceAmountOfMortgages">
<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>Amount of contractual principal due at origination of mortgage loan within investment in mortgage loan on real estate by entity with substantial portion of business acquiring and holding investment real estate or interest in real estate.</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/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Paragraph Column F<br> -Subsection 29<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 310<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-29(Column F))<br> -URI http://asc.fasb.org/extlink&amp;oid=120402547&amp;loc=d3e617274-123014<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;">srt_MortgageLoansOnRealEstateFaceAmountOfMortgages</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_MortgageLoansOnRealEstateInterestRate">
<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>Interest rate of mortgage loan within investment in mortgage loan on real estate by entity with substantial portion of business acquiring and holding investment real estate or interest in real estate.</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/disclosureRef<br> -Publisher SEC<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Paragraph Column B<br> -Subsection 29<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 310<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-29(Column B))<br> -URI http://asc.fasb.org/extlink&amp;oid=120402547&amp;loc=d3e617274-123014<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;">srt_MortgageLoansOnRealEstateInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404561177944">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Federal Income Taxes (Details) - Schedule of composition of the company's net deferred tax liability - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_kffb_DeferredTaxAssetsAbstract', window );"><strong>Deferred tax assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses', window );">General loan loss allowance</a></td>
<td class="nump">$ 371<span></span>
</td>
<td class="nump">$ 363<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_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities', window );">Accrued expenses</a></td>
<td class="nump">164<span></span>
</td>
<td class="nump">113<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition', window );">Fair value accounting adjustments on acquisition</a></td>
<td class="nump">199<span></span>
</td>
<td class="nump">223<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_DeferredTaxAssetsNonaccuredInterestOnLoans', window );">Nonaccrued interest on loans</a></td>
<td class="nump">118<span></span>
</td>
<td class="nump">102<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments', window );">Other real estate owned adjustments</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">16<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_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment', window );">Depreciation</a></td>
<td class="nump">37<span></span>
</td>
<td class="nump">38<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_us-gaap_DeferredTaxAssetsCharitableContributionCarryforwards', window );">Charitable contributions</a></td>
<td class="nump">12<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal', window );">State net operating loss carryforward</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">170<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_us-gaap_DeferredTaxAssetsGross', window );">Total deferred tax assets</a></td>
<td class="nump">918<span></span>
</td>
<td class="nump">1,025<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_us-gaap_DeferredTaxLiabilitiesAbstract', window );"><strong>Deferred tax liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends', window );">Federal Home Loan Bank stock dividends</a></td>
<td class="num">(981)<span></span>
</td>
<td class="num">(981)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_DeferredTaxLiabilitiesDeferredLoanOriginationCosts', window );">Deferred loan origination costs</a></td>
<td class="num">(33)<span></span>
</td>
<td class="num">(48)<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_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights', window );">Loan servicing rights</a></td>
<td class="num">(24)<span></span>
</td>
<td class="num">(18)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment', window );">Accrual to cash adjustment</a></td>
<td class="num">(170)<span></span>
</td>
<td class="num">(127)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FairValueAccountingAdjustmentOnAcquisition', window );">Fair value accounting adjustments on acquisition</a></td>
<td class="num">(547)<span></span>
</td>
<td class="num">(552)<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_us-gaap_DeferredIncomeTaxLiabilities', window );">Total deferred tax liabilities</a></td>
<td class="num">(1,755)<span></span>
</td>
<td class="num">(1,726)<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_us-gaap_DeferredTaxLiabilities', window );">Net deferred tax liability</a></td>
<td class="num">$ (837)<span></span>
</td>
<td class="num">$ (701)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_DeferredTaxAssetsAbstract">
<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 );">- References</a><div><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;">kffb_DeferredTaxAssetsAbstract</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition">
<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>DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition</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;">kffb_DeferredTaxAssetsFairValueAccountingAdjustmentOnAcquisition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_DeferredTaxAssetsNonaccuredInterestOnLoans">
<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>DeferredTaxAssetsNonaccuredInterestOnLoans</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;">kffb_DeferredTaxAssetsNonaccuredInterestOnLoans</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments">
<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>DeferredTaxAssetsOtherRealEstateOwnedAdjustments</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;">kffb_DeferredTaxAssetsOtherRealEstateOwnedAdjustments</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment">
<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>DeferredTaxLiabilitiesAccrualToCashAdjustment</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;">kffb_DeferredTaxLiabilitiesAccrualToCashAdjustment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_DeferredTaxLiabilitiesDeferredLoanOriginationCosts">
<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 );">- References</a><div><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;">kffb_DeferredTaxLiabilitiesDeferredLoanOriginationCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends">
<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>DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends</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;">kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_FairValueAccountingAdjustmentOnAcquisition">
<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 );">- References</a><div><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;">kffb_FairValueAccountingAdjustmentOnAcquisition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of deferred tax liability attributable to taxable temporary differences.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(b))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(15)(b)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(15)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsCharitableContributionCarryforwards">
<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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible charitable contribution carryforwards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsCharitableContributionCarryforwards</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsGross">
<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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal">
<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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible state and local operating loss carryforwards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment">
<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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from property, plant, and equipment.</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;">us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from accrued liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the provision for loan losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilities">
<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>Amount, after deferred tax asset, of deferred tax liability attributable to taxable differences without jurisdictional netting.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=120406818&amp;loc=d3e31931-109318<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">us-gaap_DeferredTaxLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights">
<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>Amount of deferred tax liability attributable to taxable temporary differences from mortgage servicing rights.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32621-109319<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32632-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesMortgageServicingRights</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404562580200">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal Income Taxes (Details) - Schedule of federal income taxes on earnings differs from that computed at the statutory corporate tax rate - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_kffb_ScheduleOfFederalIncomeTaxesOnEarningsDiffersFromThatComputedAtTheStatutoryCorporateTaxRateAbstract', window );"><strong>Schedule of federal income taxes on earnings differs from that computed at the statutory corporate tax rate [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate', window );">Federal income taxes at the statutory rate</a></td>
<td class="num">$ (2,579)<span></span>
</td>
<td class="nump">$ 200<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_kffb_IncreaseDecreaseResultingPrimarilyFromAbstract', window );"><strong>Increase (decrease) resulting primarily from:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_CashSurrenderValueOfLifeInsurances', window );">Cash surrender value of life insurance</a></td>
<td class="num">(16)<span></span>
</td>
<td class="num">(15)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1', window );">Deferred tax liability adjustment, net, resulting from Kentucky tax legislation</a></td>
<td class="nump">14<span></span>
</td>
<td class="num">(63)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_GoodwillImpairmentsLoss', window );">Goodwill impairment</a></td>
<td class="nump">2,848<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationOtherReconcilingItems', window );">Other</a></td>
<td class="num">(3)<span></span>
</td>
<td class="nump">19<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations', window );">Total federal income taxes</a></td>
<td class="nump">$ 264<span></span>
</td>
<td class="nump">$ 141<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_CashSurrenderValueOfLifeInsurances">
<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>CashSurrenderValueOfLifeInsurances</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;">kffb_CashSurrenderValueOfLifeInsurances</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_GoodwillImpairmentsLoss">
<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>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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;">kffb_GoodwillImpairmentsLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1">
<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>IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1</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;">kffb_IncomeTaxExpenseBenefitContinuingOperationsAdjustmentOfDeferredTaxAssetLiability1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_IncreaseDecreaseResultingPrimarilyFromAbstract">
<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 );">- References</a><div><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;">kffb_IncreaseDecreaseResultingPrimarilyFromAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ScheduleOfFederalIncomeTaxesOnEarningsDiffersFromThatComputedAtTheStatutoryCorporateTaxRateAbstract">
<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 );">- References</a><div><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;">kffb_ScheduleOfFederalIncomeTaxesOnEarningsDiffersFromThatComputedAtTheStatutoryCorporateTaxRateAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations">
<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>Amount of current and deferred federal income tax expense (benefit) attributable to income (loss) from continuing operations.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32672-109319<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(i))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<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;">us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate">
<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 amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationOtherReconcilingItems">
<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>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to tax exempt income, equity in earnings (loss) of an unconsolidated subsidiary, minority noncontrolling interest income (loss), tax holiday, disposition of a business, disposition of an asset, repatriation of foreign earnings, repatriation of foreign earnings jobs creation act of 2004, increase (decrease) in enacted tax rate, prior year income taxes, increase (decrease) in deferred tax asset valuation allowance, and other adjustments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationOtherReconcilingItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404559809592">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal Income Taxes (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FederalIncomeTaxesDetailsLineItems', window );"><strong>Federal Income Taxes (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes', window );">Retained earnings for which federal income taxes have not been provided</a></td>
<td class="nump">$ 5,200,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender', window );">Amount of unrecognized deferred tax liability relating to the cumulative bad debt deduction</a></td>
<td class="nump">$ 1,300,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementEquityComponentsAxis=us-gaap_ParentMember', window );">Parent [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FederalIncomeTaxesDetailsLineItems', window );"><strong>Federal Income Taxes (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_IncomeTaxExpensesBenefit', window );">Recognized a tax benefit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 63,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_FederalIncomeTaxesDetailsLineItems">
<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 );">- References</a><div><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;">kffb_FederalIncomeTaxesDetailsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_IncomeTaxExpensesBenefit">
<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>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="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;">kffb_IncomeTaxExpensesBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes">
<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>RetainedEarningsNotRecognizedFederalIncomeTaxes</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;">kffb_RetainedEarningsNotRecognizedFederalIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender">
<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>Amount of deferred tax liability not recognized because of the exceptions to comprehensive recognition of deferred taxes related to bad debt reserve for tax purposes of a qualified lender.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 740<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6479915&amp;loc=d3e66715-112838<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;">us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_ParentMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_ParentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>36
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404566627032">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Advances from the Federal Home Loan Bank (Details) - Schedule of advances from the federal home loan bank<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Jun. 30, 2020 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ScheduleOfAdvancesFromTheFederalHomeLoanBankAbstract', window );"><strong>Schedule of advances from the federal home loan bank [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate', window );">2021</a></td>
<td class="nump">$ 28,342<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_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate', window );">2022</a></td>
<td class="nump">6,307<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_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate', window );">2023</a></td>
<td class="nump">12,679<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_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate', window );">2024</a></td>
<td class="nump">3,659<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_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate', window );">2025</a></td>
<td class="nump">3,643<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate', window );">2026</a></td>
<td class="nump">31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate', window );">2027</a></td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate', window );">2028-2032</a></td>
<td class="nump">32<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Advances from the Federal Home Loan Bank</a></td>
<td class="nump">$ 54,715<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSevenYearsOfBalanceSheetDate</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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFiveToSixYearsOfBalanceSheetDate</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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate</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;">kffb_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromSevenToEightYearsOfBalanceSheetDate</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<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>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate</td>
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<td>credit</td>
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<td>instant</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404559787016">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Advances from the Federal Home Loan Bank (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems', window );"><strong>Advances from the Federal Home Loan Bank (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
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<td class="nump">$ 74.6<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1', window );">Federal home loan bank, advances, pledged collateral which would enable us to borrow up amount (in Dollars)</a></td>
<td class="nump">4.8<span></span>
</td>
<td class="text">&#160;<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_us-gaap_LineOfCredit', window );">Long-term Line of Credit (in Dollars)</a></td>
<td class="nump">5.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ResidentialMortgageMember', window );">Residential Mortgage [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems', window );"><strong>Advances from the Federal Home Loan Bank (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AdvancesFromTheFederalHomeLoanBank', window );">Advances from the federal home loan bank (in Dollars)</a></td>
<td class="nump">$ 172.0<span></span>
</td>
<td class="nump">$ 86.8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_RangeAxis=srt_MinimumMember', window );">Minimum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems', window );"><strong>Advances from the Federal Home Loan Bank (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd', window );">Federal home loan bank, advances, fixed interest rate</a></td>
<td class="nump">0.21%<span></span>
</td>
<td class="nump">2.11%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</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_kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems', window );"><strong>Advances from the Federal Home Loan Bank (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd', window );">Federal home loan bank, advances, fixed interest rate</a></td>
<td class="nump">2.30%<span></span>
</td>
<td class="nump">2.41%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_RangeAxis=srt_WeightedAverageMember', window );">Weighted Average [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems', window );"><strong>Advances from the Federal Home Loan Bank (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd', window );">Federal home loan bank, advances, fixed interest rate</a></td>
<td class="nump">0.99%<span></span>
</td>
<td class="nump">2.39%<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_AdvancesFromTheFederalHomeLoanBank">
<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 );">- References</a><div><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;">kffb_AdvancesFromTheFederalHomeLoanBank</td>
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<td>credit</td>
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<td>instant</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 );">- References</a><div><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;">kffb_AdvancesfromtheFederalHomeLoanBankDetailsLineItems</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1">
<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>Amount of the collateral pledged in support of federal home loan bank advances outstanding.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=75038535&amp;loc=d3e64711-112823<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd">
<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>States the interest rate applicable to Federal Home Loan Bank advances outstanding as of the Balance Sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=75038535&amp;loc=d3e64711-112823<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;">us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable">
<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>Amount of maximum advances or credit lines available from the Federal Home Loan Bank (FHLB).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22 (b))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<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;">us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCredit">
<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 carrying value as of the balance sheet date of the current and noncurrent portions of long-term obligations drawn from a line of credit, which is a bank's commitment to make loans up to a specific amount. Examples of items that might be included in the application of this element may consist of letters of credit, standby letters of credit, and revolving credit arrangements, under which borrowings can be made up to a maximum amount as of any point in time conditional on satisfaction of specified terms before, as of and after the date of drawdowns on the line. Includes short-term obligations that would normally be classified as current liabilities but for which (a) postbalance sheet date issuance of a long term obligation to refinance the short term obligation on a long term basis, or (b) the enterprise has entered into a financing agreement that clearly permits the enterprise to refinance the short-term obligation on a long term basis and the following conditions are met (1) the agreement does not expire within 1 year and is not cancelable by the lender except for violation of an objectively determinable provision, (2) no violation exists at the BS date, and (3) the lender has entered into the financing agreement is expected to be financially capable of honoring the agreement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(16))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<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;">us-gaap_LineOfCredit</td>
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<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<td><strong> Data Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404654653384">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Comprehensive (Loss) Income - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
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<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
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<tr class="re">
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
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<td class="num">$ (12,547)<span></span>
</td>
<td class="nump">$ 812<span></span>
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<tr class="re">
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<td class="num">(2)<span></span>
</td>
<td class="nump">4<span></span>
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<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive (loss) income</a></td>
<td class="num">$ (12,549)<span></span>
</td>
<td class="nump">$ 816<span></span>
</td>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax and before adjustment, of unrealized holding gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Excludes unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669646-108580<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e637-108580<br></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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404658481288">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits (Details) - Schedule of maturities of outstanding certificates of deposit - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ScheduleOfMaturitiesOfOutstandingCertificatesOfDepositAbstract', window );"><strong>Schedule of maturities of outstanding certificates of deposit [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2021</a></td>
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</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2022</a></td>
<td class="nump">30,819<span></span>
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<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2023</a></td>
<td class="nump">7,795<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2024</a></td>
<td class="nump">1,098<span></span>
</td>
<td class="text">&#160;<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_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">2025 and thereafter</a></td>
<td class="nump">1,954<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total certificates of deposit</a></td>
<td class="nump">$ 134,155<span></span>
</td>
<td class="nump">$ 125,892<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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">
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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>Amount of time deposit maturing after fifth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesAfterYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of time deposit maturing in fourth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearOne">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of time deposit maturing in next fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearOne</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearThree">
<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>Amount of time deposit maturing in third fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of time deposit maturing in second fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of time deposit liabilities, including certificates of deposit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116652737&amp;loc=d3e64164-112818<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404558707816">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits (Details) - Schedule of deposits - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_kffb_ScheduleOfDepositsAbstract', window );"><strong>Schedule of deposits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestBearingDomesticDepositChecking', window );">Non-interest bearing checking accounts</a></td>
<td class="nump">$ 8,258<span></span>
</td>
<td class="nump">$ 5,534<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_us-gaap_InterestBearingDomesticDepositChecking', window );">Checking accounts</a></td>
<td class="nump">15,133<span></span>
</td>
<td class="nump">13,126<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_us-gaap_DepositsSavingsDeposits', window );">Savings accounts</a></td>
<td class="nump">45,571<span></span>
</td>
<td class="nump">43,228<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_us-gaap_DepositsMoneyMarketDeposits', window );">Money market demand deposits</a></td>
<td class="nump">9,156<span></span>
</td>
<td class="nump">8,056<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_DepositsExcludingTimeDeposits', window );">Total demand, transaction and passbook deposits</a></td>
<td class="nump">78,118<span></span>
</td>
<td class="nump">69,944<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_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
<td class="nump">134,155<span></span>
</td>
<td class="nump">125,892<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
<td class="nump">$ 212,273<span></span>
</td>
<td class="nump">$ 195,836<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_DepositsExcludingTimeDeposits">
<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>DepositsExcludingTimeDeposits</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;">kffb_DepositsExcludingTimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ScheduleOfDepositsAbstract">
<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 );">- References</a><div><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;">kffb_ScheduleOfDepositsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<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 aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsMoneyMarketDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsMoneyMarketDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsSavingsDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsSavingsDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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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>Amount of interest-bearing domestic checking deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDomesticDepositChecking</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDomesticDepositChecking">
<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>Amount of noninterest-bearing domestic checking deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestBearingDomesticDepositChecking</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of time deposit liabilities, including certificates of deposit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116652737&amp;loc=d3e64164-112818<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<title></title>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404565807112">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits (Details) - USD ($)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Disclosure Text Block [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_BankDeposits', window );">Deposits</a></td>
<td class="nump">$ 250,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TimeDeposits250000OrMore', window );">Certificate of deposit accounts with balances equal to or in exceeding of $250,000 totaling</a></td>
<td class="nump">$ 13,000,000<span></span>
</td>
<td class="nump">$ 9,800,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_BankDeposits">
<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>BankDeposits</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;">kffb_BankDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_TimeDeposits250000OrMore">
<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>TimeDeposits250000OrMore</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;">kffb_TimeDeposits250000OrMore</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureTextBlockAbstract">
<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 );">- References</a><div><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;">us-gaap_DisclosureTextBlockAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli: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>
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404649822104">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Goodwill (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
<th class="th"><div>Mar. 31, 2005</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_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>Goodwill and Intangible Assets Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_GoodwillAmount', window );">Goodwill amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 14,500<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillNotAllocatedAmount', window );">Goodwill net amount</a></td>
<td class="nump">$ 14,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_GoodwillImpairmentLosses', window );">Goodwill impairment loss</a></td>
<td class="nump">13,600<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairmentChargeOnReclassifiedAssets', window );">Carrying value of goodwill</a></td>
<td class="nump">$ 13,600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_GoodwillAmount">
<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 );">- References</a><div><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;">kffb_GoodwillAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_GoodwillImpairmentLosses">
<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 );">- References</a><div><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;">kffb_GoodwillImpairmentLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillNotAllocatedAmount">
<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>Portion of goodwill not yet allocated to reportable segments.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121556970&amp;loc=d3e13816-109267<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;">us-gaap_GoodwillNotAllocatedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairmentChargeOnReclassifiedAssets">
<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 asset that is reclassified back to held and used from held-for-sale, the amount of impairment charge that is recognized on the reclassification date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 35<br> -Paragraph 44<br> -URI http://asc.fasb.org/extlink&amp;oid=29634951&amp;loc=d3e1756-110224<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=109226348&amp;loc=d3e2459-110228<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;">us-gaap_ImpairmentChargeOnReclassifiedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404562666712">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Premises and Equipment (Details) - Schedule of premises and equipment - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_kffb_ScheduleOfPremisesAndEquipmentAbstract', window );"><strong>Schedule of premises and equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Land', window );">Land</a></td>
<td class="nump">$ 1,516<span></span>
</td>
<td class="nump">$ 1,516<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_us-gaap_BuildingsAndImprovementsGross', window );">Buildings and improvements</a></td>
<td class="nump">6,493<span></span>
</td>
<td class="nump">6,492<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_us-gaap_FurnitureAndFixturesGross', window );">Furniture and equipment</a></td>
<td class="nump">2,204<span></span>
</td>
<td class="nump">2,134<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_us-gaap_PropertyPlantAndEquipmentOther', window );">Automobiles</a></td>
<td class="nump">36<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
<td class="nump">10,249<span></span>
</td>
<td class="nump">10,178<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_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Less: accumulated depreciation</a></td>
<td class="nump">5,333<span></span>
</td>
<td class="nump">5,150<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Balance at end of year</a></td>
<td class="nump">$ 4,916<span></span>
</td>
<td class="nump">$ 5,028<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ScheduleOfPremisesAndEquipmentAbstract">
<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 );">- References</a><div><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;">kffb_ScheduleOfPremisesAndEquipmentAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment">
<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>Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BuildingsAndImprovementsGross">
<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>Amount before accumulated depreciation of building structures held for productive use including addition, improvement, or renovation to the structure, including, but not limited to, interior masonry, interior flooring, electrical, and plumbing.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=121566466&amp;loc=d3e6812-107765<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<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;">us-gaap_BuildingsAndImprovementsGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FurnitureAndFixturesGross">
<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>Amount before accumulated depreciation of equipment commonly used in offices and stores that have no permanent connection to the structure of a building or utilities. Examples include, but are not limited to, desks, chairs, tables, and bookcases.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br></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;">us-gaap_FurnitureAndFixturesGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Land">
<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>Amount before accumulated depletion of real estate held for productive use, excluding land held for sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=121566466&amp;loc=d3e6812-107765<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;">us-gaap_Land</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentGross">
<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>Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(14))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentOther">
<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>Amount before accumulated depreciation, depletion and amortization of other physical assets used in the normal conduct of business to produce goods and services and not intended for resale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<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;">us-gaap_PropertyPlantAndEquipmentOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404562610712">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Real Estate Owned (Details) - Schedule of activity in real estate owned - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_kffb_ScheduleOfActivityInRealEstateOwnedAbstract', window );"><strong>Schedule of activity in real estate owned [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">Balance at beginning of year</a></td>
<td class="nump">$ 710<span></span>
</td>
<td class="nump">$ 710<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_us-gaap_OtherRealEstateImprovements', window );">Loans transferred to real estate owned</a></td>
<td class="nump">304<span></span>
</td>
<td class="nump">347<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_us-gaap_OtherRealEstateAdditions', window );">Capitalized expenditures</a></td>
<td class="nump">44<span></span>
</td>
<td class="nump">98<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherRealEstateValuationAdjustments', window );">Valuation adjustments</a></td>
<td class="num">(36)<span></span>
</td>
<td class="num">(66)<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_us-gaap_OtherRealEstateDisposals', window );">Disposals</a></td>
<td class="num">(382)<span></span>
</td>
<td class="num">(379)<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_us-gaap_OtherRealEstate', window );">Balance at end of year</a></td>
<td class="nump">$ 640<span></span>
</td>
<td class="nump">$ 710<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ScheduleOfActivityInRealEstateOwnedAbstract">
<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 );">- References</a><div><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;">kffb_ScheduleOfActivityInRealEstateOwnedAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstate">
<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>Carrying amount of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherRealEstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstateAdditions">
<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>Additions of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure.</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;">us-gaap_OtherRealEstateAdditions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstateDisposals">
<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>Disposals of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure.</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;">us-gaap_OtherRealEstateDisposals</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstateImprovements">
<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>Improvements to other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure.</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;">us-gaap_OtherRealEstateImprovements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstateValuationAdjustments">
<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>Valuation adjustments made to other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure.</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;">us-gaap_OtherRealEstateValuationAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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</TEXT>
</DOCUMENT>
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<head>
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<link rel="stylesheet" type="text/css" href="include/report.css">
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404565748264">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans (Details) - Schedule of accretable yield, or income expected to be collected - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract', window );"><strong>Schedule of accretable yield, or income expected to be collected [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield', window );">Balance at beginning of period</a></td>
<td class="nump">$ 544<span></span>
</td>
<td class="nump">$ 634<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_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion', window );">Accretion of income</a></td>
<td class="num">(97)<span></span>
</td>
<td class="num">(90)<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_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield', window );">Balance at end of period</a></td>
<td class="nump">$ 447<span></span>
</td>
<td class="nump">$ 544<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract">
<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 );">- References</a><div><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;">kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield">
<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 aggregate excess of a loan's cash flows expected to be collected over the investor's initial investment in the loan for loans accounted for as debt securities, with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 15<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121585399&amp;loc=d3e13503-111538<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121614798&amp;loc=d3e15032-111544<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;">us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion">
<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>Current period recognition due to accretion of the excess of a loan's cash flows expected to be collected over the investor's initial investment in the loan for loans accounted for as debt securities, with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121614798&amp;loc=d3e15032-111544<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 15<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121585399&amp;loc=d3e13503-111538<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;">us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<link rel="stylesheet" type="text/css" href="include/report.css">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404563851080">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans (Details) - Schedule of purchased credit impaired loans - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember', window );">One- to four-family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract00000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesOutstandingBalance', window );">One- to four-family residential real estate</a></td>
<td class="nump">$ 751<span></span>
</td>
<td class="nump">$ 949<span></span>
</td>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">kffb_ResidentialRealEstateAbstract00000000000000</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 undiscounted sum of all amounts, including amounts deemed principal, interest, fees, penalties, and other under the loan, owed to the investor at the reporting date, whether or not currently due and whether or not any such amounts have been written or charged off by the investor.  This relates to loans accounted for as debt securities, with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121614798&amp;loc=d3e15032-111544<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 15<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121585399&amp;loc=d3e13503-111538<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;">us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesOutstandingBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>47
<FILENAME>R51.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<head>
<title></title>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404556348808">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans (Details) - Schedule of allowance for loan losses by portfolio segment - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember', window );">One- to four-family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="nump">$ 685<span></span>
</td>
<td class="nump">$ 795<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="nump">49<span></span>
</td>
<td class="nump">41<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_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="num">(65)<span></span>
</td>
<td class="num">(190)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">39<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">671<span></span>
</td>
<td class="nump">685<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=srt_MultifamilyMember', window );">Multi-family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="nump">200<span></span>
</td>
<td class="nump">225<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="num">(16)<span></span>
</td>
<td class="num">(25)<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_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">184<span></span>
</td>
<td class="nump">200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember', window );">Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">8<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_LandMember', window );">Land [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <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_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_FarmMember', window );">Farm [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">6<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="num">(2)<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_NonResidentialRealEstateMember', window );">Nonresidential real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="nump">336<span></span>
</td>
<td class="nump">321<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="nump">69<span></span>
</td>
<td class="nump">15<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_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">405<span></span>
</td>
<td class="nump">336<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_CommercialNonmortgageMember', window );">Commercial and industrial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="num">(2)<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOnDepositsMember', window );">Loans on deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">3<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="num">(1)<span></span>
</td>
<td class="text"> <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_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_HomeEquityLoanMember', window );">Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">13<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="num">(3)<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_AutomobilesMember', window );">Auto [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="nump">8<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="num">(8)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_UnsecuredLoansMember', window );">Unsecured [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="nump">1<span></span>
</td>
<td class="num">(21)<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_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">1<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_UnallocatedLoansMember', window );">Unallocated [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="nump">200<span></span>
</td>
<td class="nump">200<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">200<span></span>
</td>
<td class="nump">200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_TotalMember', window );">Total [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract000000000000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Beginning balance</a></td>
<td class="nump">1,456<span></span>
</td>
<td class="nump">1,576<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_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
<td class="nump">103<span></span>
</td>
<td class="nump">11<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_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Loans charged off</a></td>
<td class="num">(73)<span></span>
</td>
<td class="num">(190)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Recoveries</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">59<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Ending balance</a></td>
<td class="nump">$ 1,488<span></span>
</td>
<td class="nump">$ 1,456<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansAndLeasesReceivableAllowances">
<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>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="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;">kffb_LoansAndLeasesReceivableAllowances</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateAbstract000000000000">
<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 );">- References</a><div><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;">kffb_ResidentialRealEstateAbstract000000000000</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts">
<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>Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs">
<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>Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanAndLeaseLosses">
<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>Amount of expense related to estimated loss from loan and lease transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.11)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanAndLeaseLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=srt_MultifamilyMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=us-gaap_LandMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_FarmMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_FarmMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_NonResidentialRealEstateMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_CommercialNonmortgageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOnDepositsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOnDepositsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_HomeEquityLoanMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=us-gaap_HomeEquityLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_AutomobilesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=us-gaap_AutomobilesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_UnsecuredLoansMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_UnsecuredLoansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_UnallocatedLoansMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_UnallocatedLoansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_TotalMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_TotalMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>48
<FILENAME>R50.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404556530504">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans (Details) - Schedule of analysis performed, the risk category of loans by class of loans - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">$ 276,708<span></span>
</td>
<td class="nump">$ 269,768<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member] | Farm [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">2,045<span></span>
</td>
<td class="nump">2,848<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member] | Commercial and industrial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">2,188<span></span>
</td>
<td class="nump">1,584<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member] | Deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">1,245<span></span>
</td>
<td class="nump">1,415<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member] | Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">7,505<span></span>
</td>
<td class="nump">8,053<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member] | Automobiles [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">67<span></span>
</td>
<td class="nump">91<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember', window );">Pass [Member] | Unsecured [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">670<span></span>
</td>
<td class="nump">446<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">1,720<span></span>
</td>
<td class="nump">1,777<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member] | Farm [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member] | Commercial and industrial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member] | Deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member] | Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">39<span></span>
</td>
<td class="nump">137<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member] | Automobiles [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember', window );">Special Mention [Member] | Unsecured [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember', window );">Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">8,947<span></span>
</td>
<td class="nump">10,880<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember', window );">Substandard [Member] | Farm [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">309<span></span>
</td>
<td class="nump">309<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember', window );">Substandard [Member] | Commercial and industrial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">26<span></span>
</td>
<td class="nump">491<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember', window );">Substandard [Member] | Deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember', window );">Substandard [Member] | Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">101<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember', window );">Substandard [Member] | Automobiles [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember', window );">Substandard [Member] | Unsecured [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member] | Farm [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member] | Commercial and industrial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member] | Deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member] | Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member] | Automobiles [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember', window );">Doubtful [Member] | Unsecured [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember', window );">One- to four-family [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">215,010<span></span>
</td>
<td class="nump">206,489<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember', window );">One- to four-family [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">742<span></span>
</td>
<td class="nump">894<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember', window );">One- to four-family [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">6,737<span></span>
</td>
<td class="nump">8,683<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember', window );">One- to four-family [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=srt_MultifamilyMember', window );">Multifamily [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">11,702<span></span>
</td>
<td class="nump">15,243<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=srt_MultifamilyMember', window );">Multifamily [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=srt_MultifamilyMember', window );">Multifamily [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">671<span></span>
</td>
<td class="nump">685<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=srt_MultifamilyMember', window );">Multifamily [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember', window );">Construction [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">3,982<span></span>
</td>
<td class="nump">3,757<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember', window );">Construction [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember', window );">Construction [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">63<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember', window );">Construction [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_LandMember', window );">Land [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">765<span></span>
</td>
<td class="nump">852<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_LandMember', window );">Land [Member] | Special Mention [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_LandMember', window );">Land [Member] | Substandard [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_LandMember', window );">Land [Member] | Doubtful [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_NonresidentialRealEstateMember', window );">Nonresidential real estate [Member] | Pass [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeaseReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">31,529<span></span>
</td>
<td class="nump">28,990<span></span>
</td>
</tr>
<tr class="rh">
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<tr class="rh">
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Credit Quality Indicator [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="re">
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<td class="nump">1,035<span></span>
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<td class="nump">683<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="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">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<FILENAME>R4.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404558908280">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Operations - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_us-gaap_InterestAndDividendIncomeOperatingAbstract', window );"><strong>Interest income</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Loans, including fees</a></td>
<td class="nump">$ 12,364<span></span>
</td>
<td class="nump">$ 12,021<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_us-gaap_InterestIncomeSecuritiesMortgageBacked', window );">Mortgage-backed securities</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">31<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_us-gaap_InterestAndDividendIncomeSecuritiesOther', window );">Other securities</a></td>
<td class="nump">18<span></span>
</td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestIncomeDomesticDeposits', window );">Interest-bearing deposits and other</a></td>
<td class="nump">419<span></span>
</td>
<td class="nump">635<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
<td class="nump">12,823<span></span>
</td>
<td class="nump">12,700<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_us-gaap_InterestExpenseAbstract', window );"><strong>Interest expense</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Deposits</a></td>
<td class="nump">2,405<span></span>
</td>
<td class="nump">1,976<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_us-gaap_InterestExpenseBorrowings', window );">Borrowings</a></td>
<td class="nump">1,094<span></span>
</td>
<td class="nump">1,276<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total interest expense</a></td>
<td class="nump">3,499<span></span>
</td>
<td class="nump">3,252<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NonoperatingIncomeExpense', window );">Net interest income</a></td>
<td class="nump">9,324<span></span>
</td>
<td class="nump">9,448<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_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision for loan losses</a></td>
<td class="nump">103<span></span>
</td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after provision for loan losses</a></td>
<td class="nump">9,221<span></span>
</td>
<td class="nump">9,437<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_us-gaap_NoninterestIncomeAbstract', window );"><strong>Non-interest income</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsuranceIncome', window );">Earnings on bank-owned life insurance</a></td>
<td class="nump">76<span></span>
</td>
<td class="nump">74<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_us-gaap_GainLossOnSalesOfLoansNet', window );">Net gains on sales of loans</a></td>
<td class="nump">186<span></span>
</td>
<td class="nump">29<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainsLossesOnSalesOfOtherRealEstate', window );">Net gain on sales of REO</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">10<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_us-gaap_RealEstateOwnedValuationAllowanceProvision1', window );">Valuation adjustment for REO</a></td>
<td class="num">(36)<span></span>
</td>
<td class="num">(66)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_GainsOnSalesOfProperty', window );">Net gains on sales of property</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">9<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_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other</a></td>
<td class="nump">168<span></span>
</td>
<td class="nump">187<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total non-interest income</a></td>
<td class="nump">399<span></span>
</td>
<td class="nump">243<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_us-gaap_NoninterestExpenseAbstract', window );"><strong>Non-interest expense</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Employee compensation and benefits</a></td>
<td class="nump">5,536<span></span>
</td>
<td class="nump">5,796<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_OccupancyAndEquipment', window );">Occupancy and equipment</a></td>
<td class="nump">568<span></span>
</td>
<td class="nump">671<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_VoiceAndDataCommunications', window );">Voice and data communications</a></td>
<td class="nump">151<span></span>
</td>
<td class="nump">249<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdvertisingExpense', window );">Advertising</a></td>
<td class="nump">170<span></span>
</td>
<td class="nump">226<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_OutsideServiceFee', window );">Outside service fees</a></td>
<td class="nump">176<span></span>
</td>
<td class="nump">150<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_us-gaap_InformationTechnologyAndDataProcessing', window );">Data processing</a></td>
<td class="nump">541<span></span>
</td>
<td class="nump">442<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_us-gaap_ProfessionalFees', window );">Audit and accounting</a></td>
<td class="nump">165<span></span>
</td>
<td class="nump">40<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_us-gaap_TaxesOther', window );">Franchise and other taxes</a></td>
<td class="nump">259<span></span>
</td>
<td class="nump">255<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_us-gaap_ForeclosedRealEstateExpense', window );">Foreclosure and REO expense, net</a></td>
<td class="nump">66<span></span>
</td>
<td class="nump">102<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_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="nump">13,560<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other</a></td>
<td class="nump">711<span></span>
</td>
<td class="nump">796<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total non-interest expense</a></td>
<td class="nump">21,903<span></span>
</td>
<td class="nump">8,727<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">(Loss) income before income taxes</a></td>
<td class="num">(12,283)<span></span>
</td>
<td class="nump">953<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_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Federal income tax expense</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CurrentFederalTaxExpenseBenefit', window );">Current</a></td>
<td class="nump">128<span></span>
</td>
<td class="text"> <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_us-gaap_DeferredFederalIncomeTaxExpenseBenefit', window );">Deferred</a></td>
<td class="nump">136<span></span>
</td>
<td class="nump">141<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Total federal income tax expense</a></td>
<td class="nump">264<span></span>
</td>
<td class="nump">141<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">NET (LOSS) INCOME</a></td>
<td class="num">$ (12,547)<span></span>
</td>
<td class="nump">$ 812<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_us-gaap_EarningsPerShareBasicAndDiluted', window );">(LOSS) EARNINGS PER SHARE Basic and diluted (in Dollars per share)</a></td>
<td class="num">$ (1.52)<span></span>
</td>
<td class="nump">$ 0.10<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_GainsOnSalesOfProperty">
<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>Amount related to net gains on sales of property.</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;">kffb_GainsOnSalesOfProperty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_OccupancyAndEquipment">
<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>Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense. This includes equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses.</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;">kffb_OccupancyAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_OutsideServiceFee">
<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 amount of expense incurred for outside service during the period.</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;">kffb_OutsideServiceFee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_VoiceAndDataCommunications">
<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>Voice and data communications.</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;">kffb_VoiceAndDataCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvertisingExpense">
<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>Amount charged to advertising expense for the period, which are expenses incurred with the objective of increasing revenue for a specified brand, product or product line.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 720<br> -SubTopic 35<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6420018&amp;loc=d3e36677-107848<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;">us-gaap_AdvertisingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsuranceIncome">
<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>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsuranceIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentFederalTaxExpenseBenefit">
<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>Amount of current federal tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentFederalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredFederalIncomeTaxExpenseBenefit">
<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>Amount of deferred federal income tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredFederalIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasicAndDiluted">
<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 amount of net income or loss for the period per each share in instances when basic and diluted earnings per share are the same amount and reported as a single line item on the face of the financial statements.  Basic earnings per share is the amount of net income or loss for the period per each share of common stock or unit outstanding during the reporting period.  Diluted earnings per share includes the amount of net income or loss for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1337-109256<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;">us-gaap_EarningsPerShareBasicAndDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperationsAbstract">
<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 );">- References</a><div><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;">us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ForeclosedRealEstateExpense">
<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>Amount of expense recognized during the period for the foreclosure on real estate assets.</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;">us-gaap_ForeclosedRealEstateExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSalesOfLoansNet">
<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 net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04.3(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSalesOfLoansNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainsLossesOnSalesOfOtherRealEstate">
<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 net gain (loss) resulting from sales and other disposals of other real estate owned, increases (decreases) in the valuation allowance for foreclosed real estate, and write-downs of other real estate owned after acquisition or physical possession.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<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;">us-gaap_GainsLossesOnSalesOfOtherRealEstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
<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>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121556970&amp;loc=d3e13854-109267<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=121556970&amp;loc=d3e13816-109267<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=99380562&amp;loc=d3e13777-109266<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;">us-gaap_GoodwillImpairmentLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<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>Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 20<br> -Section 25<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=68072869&amp;loc=d3e41242-110953<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 235<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399901&amp;loc=d3e537907-122884<br><br>Reference 9: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 31<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8924-108599<br><br>Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(15))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<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;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<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>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=116825942&amp;loc=d3e330036-122817<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32672-109319<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22663-107794<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 20<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=120385591&amp;loc=d3e38679-109324<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -URI http://asc.fasb.org/extlink&amp;oid=109234566&amp;loc=d3e22658-107794<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
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<tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InformationTechnologyAndDataProcessing">
<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 amount of expenses incurred in the period for information technology and data processing products and services.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InformationTechnologyAndDataProcessing</td>
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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>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">us-gaap_InterestAndDividendIncomeOperatingAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeSecuritiesOther">
<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>Amount of other operating dividend and interest income, including amortization and accretion of premiums and discounts, on securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<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;">us-gaap_InterestAndDividendIncomeSecuritiesOther</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndFeeIncomeLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</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>Amount of the cost of borrowed funds accounted for as interest expense.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=119993939&amp;loc=d3e28555-108399<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (210.5-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<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 );">- References</a><div><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;">us-gaap_InterestExpenseAbstract</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>Aggregate amount of interest expense on all borrowings.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.7,8)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Aggregate amount of interest expense on all deposits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseDeposits</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Interest earned on deposits in United States money market accounts and other United States interest earning accounts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.4)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeDomesticDeposits</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeSecuritiesMortgageBacked">
<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>Amount of operating interest income, including amortization and accretion of premiums and discounts, on securitized, pass-through debt securities collateralized by real estate mortgage loans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.2)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<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;">us-gaap_InterestIncomeSecuritiesMortgageBacked</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(b)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LaborAndRelatedExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
<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>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">us-gaap_NoninterestExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeAbstract">
<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 );">- References</a><div><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;">us-gaap_NoninterestIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeOtherOperatingIncome">
<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>Amount of revenue earned, classified as other, excluding interest income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-03(1)(e))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868656-224227<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400993&amp;loc=SL114874131-224263<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncomeOtherOperatingIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NonoperatingIncomeExpense">
<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 aggregate amount of income or expense from ancillary business-related activities (that is to say, excluding major activities considered part of the normal operations of the business).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=120395209&amp;loc=SL114868664-224227<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;">us-gaap_NonoperatingIncomeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
<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>Amount of noninterest expense classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherNoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfessionalFees">
<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 fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 946<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07.2(a),(b),(c),(d))<br> -URI http://asc.fasb.org/extlink&amp;oid=120401555&amp;loc=SL114874292-224272<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 946<br> -SubTopic 220<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (k)<br> -URI http://asc.fasb.org/extlink&amp;oid=118262090&amp;loc=SL114874205-224268<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfessionalFees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfitLoss">
<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 consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 205<br> -SubTopic 20<br> -Section 50<br> -Paragraph 7<br> -URI 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<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;">us-gaap_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of credit loss expense (reversal of expense) for financing receivable.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919249-210447<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 220<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120399700&amp;loc=SL114874048-224260<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLossesExpensed</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RealEstateOwnedValuationAllowanceProvision1">
<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>Amount of expense recognized in the income statement for a decrease in valuation of real estate owned (REO).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RealEstateOwnedValuationAllowanceProvision1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TaxesOther">
<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>Amount of tax expense classified as 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;">us-gaap_TaxesOther</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404556297208">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans (Details) - Schedule of principal balance outstanding in past due loans - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">$ 6,542<span></span>
</td>
<td class="nump">$ 8,960<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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">280,833<span></span>
</td>
<td class="nump">273,465<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">287,375<span></span>
</td>
<td class="nump">282,425<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=kffb_UnsecuredLoansMember', window );">Unsecured [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">675<span></span>
</td>
<td class="nump">451<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">675<span></span>
</td>
<td class="nump">451<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember', window );">One-to four-family residential real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">5,216<span></span>
</td>
<td class="nump">7,500<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">217,273<span></span>
</td>
<td class="nump">208,566<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">222,489<span></span>
</td>
<td class="nump">216,066<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=srt_MultifamilyMember', window );">Multi-family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">248<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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">12,373<span></span>
</td>
<td class="nump">15,680<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">12,373<span></span>
</td>
<td class="nump">15,928<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_ResidentialRealEstateConstructionMember', window );">Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">255<span></span>
</td>
<td class="nump">753<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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">3,790<span></span>
</td>
<td class="nump">3,004<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">4,045<span></span>
</td>
<td class="nump">3,757<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=us-gaap_LandMember', window );">Land [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">765<span></span>
</td>
<td class="nump">852<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">765<span></span>
</td>
<td class="nump">852<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_FarmMember', window );">Farm [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">416<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">1,938<span></span>
</td>
<td class="nump">3,155<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">2,354<span></span>
</td>
<td class="nump">3,157<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_NonresidentialRealEstateMember', window );">Nonresidential real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">310<span></span>
</td>
<td class="nump">411<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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">33,193<span></span>
</td>
<td class="nump">30,008<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">33,503<span></span>
</td>
<td class="nump">30,419<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_CommercialNonmortgageMember', window );">Commercial and industrial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">2,214<span></span>
</td>
<td class="nump">2,075<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">2,214<span></span>
</td>
<td class="nump">2,075<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_LoansOnDepositsMember', window );">Loans on deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">1,245<span></span>
</td>
<td class="nump">1,415<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">1,245<span></span>
</td>
<td class="nump">1,415<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=us-gaap_HomeEquityMember', window );">Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">345<span></span>
</td>
<td class="nump">38<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">7,300<span></span>
</td>
<td class="nump">8,176<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">7,645<span></span>
</td>
<td class="nump">8,214<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_AutomobilesMember', window );">Automobile [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">8<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_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Loans Not Past Due</a></td>
<td class="nump">67<span></span>
</td>
<td class="nump">83<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total</a></td>
<td class="nump">67<span></span>
</td>
<td class="nump">91<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">3,157<span></span>
</td>
<td class="nump">5,184<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member] | Unsecured [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member] | One-to four-family residential real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">2,546<span></span>
</td>
<td class="nump">4,021<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member] | Multi-family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">192<span></span>
</td>
<td class="nump">753<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member] | Land [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member] | Farm [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">107<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member] | Nonresidential real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">57<span></span>
</td>
<td class="nump">362<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member] | Commercial and industrial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member] | Loans on deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member] | Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">255<span></span>
</td>
<td class="nump">38<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">30-89 Days Past Due [Member] | Automobile [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">3,385<span></span>
</td>
<td class="nump">3,776<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member] | Unsecured [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member] | One-to four-family residential real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">2,670<span></span>
</td>
<td class="nump">3,479<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member] | Multi-family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">248<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member] | Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">63<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member] | Land [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member] | Farm [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">309<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member] | Nonresidential real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">253<span></span>
</td>
<td class="nump">49<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member] | Commercial and industrial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member] | Loans on deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member] | Home equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="nump">90<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due [Member] | Automobile [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Past Due [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent">
<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>Amount of financing receivable not past due.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953401-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=121647567&amp;loc=SL82922355-210448<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919253-210447<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue">
<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>Amount of financing receivable past due.</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/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=121647567&amp;loc=SL82922355-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919253-210447<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953401-111524<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems">
<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>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="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;">us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
<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>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=kffb_UnsecuredLoansMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=kffb_UnsecuredLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=srt_MultifamilyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_ResidentialRealEstateConstructionMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_ResidentialRealEstateConstructionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=us-gaap_LandMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=us-gaap_LandMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_FarmMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_FarmMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_NonresidentialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_NonresidentialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_CommercialNonmortgageMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_CommercialNonmortgageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_LoansOnDepositsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=kffb_LoansOnDepositsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=us-gaap_HomeEquityMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis=us-gaap_HomeEquityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_AutomobilesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_AutomobilesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404558928024">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans (Details) - Schedule of recorded investment in nonaccrual and loans - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Troubled Debt Restructuring [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">$ 6,260<span></span>
</td>
<td class="nump">$ 6,232<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_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans Past Due Over 90 Days Still Accruing</a></td>
<td class="nump">1,135<span></span>
</td>
<td class="nump">1,796<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=kffb_OnetoFourfamilyResidentialRealEstateMember', window );">One- to four-family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Troubled Debt Restructuring [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">4,458<span></span>
</td>
<td class="nump">4,545<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_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans Past Due Over 90 Days Still Accruing</a></td>
<td class="nump">1,135<span></span>
</td>
<td class="nump">1,747<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=srt_MultifamilyMember', window );">Multi-family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Troubled Debt Restructuring [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">671<span></span>
</td>
<td class="nump">685<span></span>
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<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
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<tr class="rh">
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Troubled Debt Restructuring [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">63<span></span>
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<td class="text"> <span></span>
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<td class="text"> <span></span>
</td>
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</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=kffb_FarmMember', window );">Farm [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
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</td>
<td class="nump">309<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans Past Due Over 90 Days Still Accruing</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=kffb_NonresidentialRealEstateAndLandMember', window );">Nonresidential real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">660<span></span>
</td>
<td class="nump">683<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans Past Due Over 90 Days Still Accruing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">49<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=kffb_CommercialAndIndustrialPortfolioMember', window );">Commercial and industrial [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Troubled Debt Restructuring [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">1<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans Past Due Over 90 Days Still Accruing</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=kffb_ConsumerAndOtherLoanMember', window );">Consumer [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Troubled Debt Restructuring [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual</a></td>
<td class="nump">95<span></span>
</td>
<td class="nump">9<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans Past Due Over 90 Days Still Accruing</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable 90 days or more past due and still accruing.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 16<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919258-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5111-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=121647567&amp;loc=SL82922355-210448<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable on nonaccrual status.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404558987928">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans (Details) - Schedule of impaired loans by class of loans - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_kffb_ResidentialRealEstateAbstract00000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnpaidPrincipalBalanceAndRecordedInvestment', window );">Unpaid Principal Balance and Recorded Investment, With no related allowance</a></td>
<td class="nump">$ 6,437<span></span>
</td>
<td class="nump">$ 6,463<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1', window );">Allowance for Loan Losses Allocated, With no related allowance</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With no related allowance</a></td>
<td class="nump">6,415<span></span>
</td>
<td class="nump">5,505<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With no related allowance</a></td>
<td class="nump">262<span></span>
</td>
<td class="nump">259<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Cash Basis Income Recognized, With no related allowance</a></td>
<td class="nump">262<span></span>
</td>
<td class="nump">259<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember', window );">One-to four-family residential real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract00000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnpaidPrincipalBalanceAndRecordedInvestment', window );">Unpaid Principal Balance and Recorded Investment, With no related allowance</a></td>
<td class="nump">4,734<span></span>
</td>
<td class="nump">4,786<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1', window );">Allowance for Loan Losses Allocated, With no related allowance</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With no related allowance</a></td>
<td class="nump">4,713<span></span>
</td>
<td class="nump">4,449<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With no related allowance</a></td>
<td class="nump">172<span></span>
</td>
<td class="nump">226<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Cash Basis Income Recognized, With no related allowance</a></td>
<td class="nump">172<span></span>
</td>
<td class="nump">226<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateMultiFamilyMember', window );">Residential Real Estate Multi Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract00000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnpaidPrincipalBalanceAndRecordedInvestment', window );">Unpaid Principal Balance and Recorded Investment, With no related allowance</a></td>
<td class="nump">671<span></span>
</td>
<td class="nump">685<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1', window );">Allowance for Loan Losses Allocated, With no related allowance</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With no related allowance</a></td>
<td class="nump">679<span></span>
</td>
<td class="nump">343<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With no related allowance</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">26<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Cash Basis Income Recognized, With no related allowance</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">26<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember', window );">Construction [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract00000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnpaidPrincipalBalanceAndRecordedInvestment', window );">Unpaid Principal Balance and Recorded Investment, With no related allowance</a></td>
<td class="nump">63<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1', window );">Allowance for Loan Losses Allocated, With no related allowance</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With no related allowance</a></td>
<td class="nump">13<span></span>
</td>
<td class="text">&#160;<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With no related allowance</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Cash Basis Income Recognized, With no related allowance</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_FarmMember', window );">Farm [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract00000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnpaidPrincipalBalanceAndRecordedInvestment', window );">Unpaid Principal Balance and Recorded Investment, With no related allowance</a></td>
<td class="nump">309<span></span>
</td>
<td class="nump">309<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1', window );">Allowance for Loan Losses Allocated, With no related allowance</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With no related allowance</a></td>
<td class="nump">309<span></span>
</td>
<td class="nump">310<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With no related allowance</a></td>
<td class="nump">11<span></span>
</td>
<td class="text"> <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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Cash Basis Income Recognized, With no related allowance</a></td>
<td class="nump">11<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_NonresidentialRealEstateMember', window );">Nonresidential real estate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateAbstract00000', window );"><strong>Residential real estate:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnpaidPrincipalBalanceAndRecordedInvestment', window );">Unpaid Principal Balance and Recorded Investment, With no related allowance</a></td>
<td class="nump">660<span></span>
</td>
<td class="nump">683<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1', window );">Allowance for Loan Losses Allocated, With no related allowance</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment', window );">Average Recorded Investment, With no related allowance</a></td>
<td class="nump">701<span></span>
</td>
<td class="nump">403<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod', window );">Interest Income Recognized, With no related allowance</a></td>
<td class="nump">47<span></span>
</td>
<td class="nump">7<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_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Cash Basis Income Recognized, With no related allowance</a></td>
<td class="nump">$ 47<span></span>
</td>
<td class="nump">$ 7<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1">
<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>Amount of interest income, recognized on accrual basis, on financing receivables that are recognized as impaired, for which there is no related allowance for credit losses.</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;">kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateAbstract00000">
<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 );">- References</a><div><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;">kffb_ResidentialRealEstateAbstract00000</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_UnpaidPrincipalBalanceAndRecordedInvestment">
<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 );">- References</a><div><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;">kffb_UnpaidPrincipalBalanceAndRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment">
<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>Amount of average investment of impaired financing receivables for which there is no related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5258-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<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;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod">
<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>Amount of interest income, recognized on accrual basis, on financing receivables that are recognized as impaired, for which there is no related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<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;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod">
<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>Amount of interest income, recognized on cash basis, on financing receivables, for which there is no related allowance for credit losses and are recognized as impaired.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(3)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateMultiFamilyMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateMultiFamilyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_FarmMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_FarmMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_NonresidentialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_NonresidentialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>53
<FILENAME>R46.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404556206312">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Loans (Details) - Schedule of allowance for loan losses and the recorded investment in loans by portfolio - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 287,375<span></span>
</td>
<td class="nump">$ 282,425<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,288<span></span>
</td>
<td class="nump">1,256<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">200<span></span>
</td>
<td class="nump">200<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,488<span></span>
</td>
<td class="nump">1,456<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableAllowanceForCreditLossesAxis=kffb_LoansIndividuallyEvaluatedForImpairmentMember', window );">Loans individually evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansIndividuallyEvaluated', window );">Loans individually evaluated</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,686<span></span>
</td>
<td class="nump">5,514<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAcquiredWithDeterioratedCreditQuality', window );">Loans acquired with deteriorated credit quality</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">751<span></span>
</td>
<td class="nump">949<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,437<span></span>
</td>
<td class="nump">6,463<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableAllowanceForCreditLossesAxis=kffb_LoansCollectivelyEvaluatedForImpairmentMember', window );">Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">280,938<span></span>
</td>
<td class="nump">275,962<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,288<span></span>
</td>
<td class="nump">1,256<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">200<span></span>
</td>
<td class="nump">200<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,488<span></span>
</td>
<td class="nump">1,456<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember', window );">One-to four-family residential real estate [Member] | Loans individually evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansIndividuallyEvaluated', window );">Loans individually evaluated</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,983<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAcquiredWithDeterioratedCreditQuality', window );">Loans acquired with deteriorated credit quality</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">751<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,734<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateMultiFamilyMember', window );">Multi-family [Member] | Loans individually evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansIndividuallyEvaluated', window );">Loans individually evaluated</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">671<span></span>
</td>
<td class="nump">685<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAcquiredWithDeterioratedCreditQuality', window );">Loans acquired with deteriorated credit quality</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">671<span></span>
</td>
<td class="nump">685<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateMultiFamilyMember', window );">Multi-family [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11,702<span></span>
</td>
<td class="nump">15,928<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">184<span></span>
</td>
<td class="nump">200<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">184<span></span>
</td>
<td class="nump">200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember', window );">Construction [Member] | Loans individually evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansIndividuallyEvaluated', window );">Loans individually evaluated</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">63<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAcquiredWithDeterioratedCreditQuality', window );">Loans acquired with deteriorated credit quality</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">63<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_FarmMember', window );">Farm [Member] | Loans individually evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansIndividuallyEvaluated', window );">Loans individually evaluated</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">309<span></span>
</td>
<td class="nump">309<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAcquiredWithDeterioratedCreditQuality', window );">Loans acquired with deteriorated credit quality</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">309<span></span>
</td>
<td class="nump">309<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_FarmMember', window );">Farm [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,045<span></span>
</td>
<td class="nump">2,848<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_NonresidentialRealEstateMember', window );">Nonresidential real estate [Member] | Loans individually evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansIndividuallyEvaluated', window );">Loans individually evaluated</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">660<span></span>
</td>
<td class="nump">683<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAcquiredWithDeterioratedCreditQuality', window );">Loans acquired with deteriorated credit quality</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">660<span></span>
</td>
<td class="nump">683<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_NonresidentialRealEstateMember', window );">Nonresidential real estate [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">32,843<span></span>
</td>
<td class="nump">29,736<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">405<span></span>
</td>
<td class="nump">336<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">405<span></span>
</td>
<td class="nump">336<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember', window );">One-to four-family residential real estate [Member] | Loans individually evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansIndividuallyEvaluated', window );">Loans individually evaluated</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,837<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAcquiredWithDeterioratedCreditQuality', window );">Loans acquired with deteriorated credit quality</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">949<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4,786<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember', window );">One-to four-family residential real estate [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">217,755<span></span>
</td>
<td class="nump">210,595<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">671<span></span>
</td>
<td class="nump">685<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">671<span></span>
</td>
<td class="nump">685<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateConstructionMember', window );">Construction [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,982<span></span>
</td>
<td class="nump">3,757<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_LandMember', window );">Land [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">765<span></span>
</td>
<td class="nump">852<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_CommercialsNonMortgageMember', window );">Commercial and industrial [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,214<span></span>
</td>
<td class="nump">2,075<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOnDepositsMember', window );">Loans on deposits [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,245<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_HomeEquityLoanMember', window );">Home equity [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,645<span></span>
</td>
<td class="nump">8,214<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_AutomobilesMember', window );">Automobile [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">67<span></span>
</td>
<td class="nump">91<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_UnsecuredLoansMember', window );">Unsecured [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">675<span></span>
</td>
<td class="nump">451<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_UnallocatedLoansMember', window );">Unallocated [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">200<span></span>
</td>
<td class="nump">200<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 200<span></span>
</td>
<td class="nump">200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_LoansCollectivelyEvaluatedForImpairmentMember', window );">Loans collectively evaluated for impairment [Member] | Loans collectively evaluated for impairment [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingLoansBalance', window );">Ending loans balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,415<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EndingAllowanceAttributedToLoans', window );">Ending allowance attributed to loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnallocatedAllowance', window );">Unallocated allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment', window );">Total allowance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 3<span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration since acquisition.</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_EndingAllowanceAttributedToLoans">
<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>Loans collectively evaluated for impairment, Unallocated Loans collectively evaluated for impair.</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;">kffb_EndingAllowanceAttributedToLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_EndingLoansBalance">
<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>Loans individually evaluated for impairment, Ending loans balance.</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;">kffb_EndingLoansBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment">
<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>Loans individually evaluated for impairment, Total allowance</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;">kffb_FinancingReceivableTotalAllowanceEvaluatedForImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansAcquiredWithDeterioratedCreditQuality">
<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>Loans individually evaluated for impairment, Loans acquired with deteriorated credit quality.</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;">kffb_LoansAcquiredWithDeterioratedCreditQuality</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansIndividuallyEvaluated">
<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>Loans individually evaluated for impairment, Loans Individually evaluated</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;">kffb_LoansIndividuallyEvaluated</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_UnallocatedAllowance">
<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>Loans collectively evaluated for impairment, Unallocated allowance.</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;">kffb_UnallocatedAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_FinancingReceivableAllowanceForCreditLossesAxis=kffb_LoansIndividuallyEvaluatedForImpairmentMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_FinancingReceivableAllowanceForCreditLossesAxis=kffb_LoansIndividuallyEvaluatedForImpairmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_FinancingReceivableAllowanceForCreditLossesAxis=kffb_LoansCollectivelyEvaluatedForImpairmentMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_FinancingReceivableAllowanceForCreditLossesAxis=kffb_LoansCollectivelyEvaluatedForImpairmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_OnetoFourfamilyResidentialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateMultiFamilyMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateMultiFamilyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=us-gaap_ConstructionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_FarmMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_FarmMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_NonresidentialRealEstateMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_NonresidentialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateConstructionMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateConstructionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_LandMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=us-gaap_LandMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_CommercialsNonMortgageMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_CommercialsNonMortgageMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOnDepositsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOnDepositsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=us-gaap_HomeEquityLoanMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=us-gaap_HomeEquityLoanMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=us-gaap_AutomobilesMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_UnsecuredLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
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<tr>
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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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_UnallocatedLoansMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_LoansCollectivelyEvaluatedForImpairmentMember</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404555351256">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans (Details) - Schedule of loan portfolio - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_kffb_ResidentialRealEstateAbstract', window );"><strong>Residential real estate</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableOneToFourFamily', window );">One- to four-family</a></td>
<td class="nump">$ 222,489<span></span>
</td>
<td class="nump">$ 216,066<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableMultifamily', window );">Multi-family</a></td>
<td class="nump">12,373<span></span>
</td>
<td class="nump">15,928<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableConsumersConstruction', window );">Construction</a></td>
<td class="nump">4,045<span></span>
</td>
<td class="nump">3,757<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansReceivableCommercialLand', window );">Land</a></td>
<td class="nump">765<span></span>
</td>
<td class="nump">852<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansReceivableCommercialAgriculturals', window );">Farm</a></td>
<td class="nump">2,354<span></span>
</td>
<td class="nump">3,157<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansReceivableCommercialRealEstates', window );">Nonresidential real estate</a></td>
<td class="nump">33,503<span></span>
</td>
<td class="nump">30,419<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansReceivableCommercialNonMortgage', window );">Commercial and industrial</a></td>
<td class="nump">2,214<span></span>
</td>
<td class="nump">2,075<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_kffb_ConsumerAndOtherAbstract', window );"><strong>Consumer and other</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableLoansOnDeposits', window );">Loans on deposits</a></td>
<td class="nump">1,245<span></span>
</td>
<td class="nump">1,415<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivablesConsumerHomeEquity', window );">Home equity</a></td>
<td class="nump">7,645<span></span>
</td>
<td class="nump">8,214<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAutomobile', window );">Automobile</a></td>
<td class="nump">67<span></span>
</td>
<td class="nump">91<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableUnsecured', window );">Unsecured</a></td>
<td class="nump">675<span></span>
</td>
<td class="nump">451<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_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans receivable, gross</a></td>
<td class="nump">287,375<span></span>
</td>
<td class="nump">282,425<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAndLeasesReceivableAllowances', window );">Allowance for loan losses</a></td>
<td class="num">(1,488)<span></span>
</td>
<td class="num">(1,456)<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_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Loans receivable - net</a></td>
<td class="nump">$ 285,887<span></span>
</td>
<td class="nump">$ 280,969<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ConsumerAndOtherAbstract">
<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 );">- References</a><div><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;">kffb_ConsumerAndOtherAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_LoansAndLeasesReceivableAllowances">
<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>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="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;">kffb_LoansAndLeasesReceivableAllowances</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansAndLeasesReceivableAutomobile">
<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>Reflects the gross carrying amount of unpaid loans secured by borrowers automobiles.</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;">kffb_LoansAndLeasesReceivableAutomobile</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansAndLeasesReceivableConsumersConstruction">
<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>Amount before allowance of loans issued to build, improve or remodel a residential home. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreement.</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;">kffb_LoansAndLeasesReceivableConsumersConstruction</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansAndLeasesReceivableLoansOnDeposits">
<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>Reflects the gross carrying amount of unpaid loans issued against deposits.</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;">kffb_LoansAndLeasesReceivableLoansOnDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansAndLeasesReceivableMultifamily">
<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 amount of multi-family.</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;">kffb_LoansAndLeasesReceivableMultifamily</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansAndLeasesReceivableOneToFourFamily">
<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 amount of one-to four-family.</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;">kffb_LoansAndLeasesReceivableOneToFourFamily</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansAndLeasesReceivableUnsecured">
<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>Reflects the gross carrying amount of unsecured unpaid loans.</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;">kffb_LoansAndLeasesReceivableUnsecured</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansAndLeasesReceivablesConsumerHomeEquity">
<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>Amount before allowance of revolving, open-end loan, extended under a line of credit and secured by the borrower's residential property. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreement.</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;">kffb_LoansAndLeasesReceivablesConsumerHomeEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansReceivableCommercialAgriculturals">
<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>Amount before allowance of loans issued to agricultural institutions. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreement.</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;">kffb_LoansReceivableCommercialAgriculturals</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansReceivableCommercialLand">
<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>Amount before allowance of loans issued to agricultural institutions. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreements.</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;">kffb_LoansReceivableCommercialLand</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansReceivableCommercialNonMortgage">
<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>It represents the loans receivable of commercial non mortgage during the period.</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;">kffb_LoansReceivableCommercialNonMortgage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansReceivableCommercialRealEstates">
<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>Amount before allowance of commercial loans issued to businesses to acquire, develop, construct, improve, or refinance land or building. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreement.</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;">kffb_LoansReceivableCommercialRealEstates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateAbstract">
<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 );">- References</a><div><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;">kffb_ResidentialRealEstateAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
<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>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404561172216">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansDetailsLineItems', window );"><strong>Loans (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Loans acquired credit quality</a></td>
<td class="nump">$ 751,000<span></span>
</td>
<td class="nump">$ 949,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual loan</a></td>
<td class="nump">$ 6,260,000<span></span>
</td>
<td class="nump">6,232,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansReceivableDescription', window );">Loans receivable, description</a></td>
<td class="text">One- to four-family loans in process of foreclosure totaled $694,000 and $1.2 million at June 30, 2020 and 2019, respectively.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TroubledDebtDescription', window );">Troubled debt, description</a></td>
<td class="text">A total of $17.3 million in loans were accepted into the plan through June 30, 2020, of which approximately $14.1 million have reached their three-month deferral date. Of those loans which have reached the end of their deferral period approximately $13.8 million or 97.7% have returned to regular payment status.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Loans classified as TDRs</a></td>
<td class="nump">$ 1,900,000<span></span>
</td>
<td class="nump">1,600,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_PercentageOfBankruptcyProceedingsToBorrower', window );">Bankruptcy proceedings, percentage</a></td>
<td class="nump">26.20%<span></span>
</td>
<td class="text">&#160;<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_us-gaap_MortgageLoansOnRealEstate', window );">Troubled debt restructurings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">323,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total past due</a></td>
<td class="nump">$ 6,542,000<span></span>
</td>
<td class="nump">8,960,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount', window );">Purchase credit discount</a></td>
<td class="nump">351,000<span></span>
</td>
<td class="nump">351,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">Loans Past Due Over 90 Days [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansDetailsLineItems', window );"><strong>Loans (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual loan</a></td>
<td class="nump">508,000<span></span>
</td>
<td class="nump">369,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total past due</a></td>
<td class="nump">3,385,000<span></span>
</td>
<td class="nump">3,776,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember', window );">Financing Receivables 30 To 89 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansDetailsLineItems', window );"><strong>Loans (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total past due</a></td>
<td class="nump">3,157,000<span></span>
</td>
<td class="nump">5,184,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsAxis=kffb_TroubledDebtRestructuringMember', window );">Troubled Debt Restructuring [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansDetailsLineItems', window );"><strong>Loans (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual loan</a></td>
<td class="nump">1,800,000<span></span>
</td>
<td class="nump">$ 1,300,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansReceivableDescription', window );">Loans receivable, description</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">One loan totaling $248,000 was refinanced with $30,000 cash out because of cost overruns associated with construction of two four-plexes. This loan was part of an overall credit facility maintained for the construction project. The credit facility is secured by the project real estate as well as additional real estate. The loan was classified as a TDR because of payment delays experienced by the borrower. Subsequent to June 30, 2019, an updated appraisal showing adequate loan-to-value in support of the project was obtained. One loan totaling $75,000 was modified with $15,000 cash out and an extension of the loan term to enable the borrower to consolidate debts and establish acceptable debt service obligations after a period of unemployment.<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsAxis=kffb_TroubledDebtRestructuringMember', window );">Troubled Debt Restructuring [Member] | Loans Past Due Over 90 Days [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansDetailsLineItems', window );"><strong>Loans (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total past due</a></td>
<td class="nump">28,000<span></span>
</td>
<td class="nump">$ 13,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsAxis=kffb_TroubledDebtRestructuringMember', window );">Troubled Debt Restructuring [Member] | Financing Receivables 30 To 89 Days Past Due [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansDetailsLineItems', window );"><strong>Loans (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total past due</a></td>
<td class="nump">$ 101,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansDetailsLineItems">
<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 );">- References</a><div><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;">kffb_LoansDetailsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansReceivableDescription">
<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>Loans receivable, description.</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;">kffb_LoansReceivableDescription</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_PercentageOfBankruptcyProceedingsToBorrower">
<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>Represents the percentage of bankruptcy proceedings to borrower.</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;">kffb_PercentageOfBankruptcyProceedingsToBorrower</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_TroubledDebtDescription">
<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 );">- References</a><div><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;">kffb_TroubledDebtDescription</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2">
<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>Amount, after troubled debt restructuring, of modified financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953676-111524<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus">
<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>Amount of financing receivable on nonaccrual status.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5111-111524<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 16<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919258-210447<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue">
<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>Amount of financing receivable past due.</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/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=121647567&amp;loc=SL82922355-210448<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919253-210447<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953401-111524<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount">
<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>Amount of unamortized purchase premium (discount) on financing receivable. Excludes financing receivable covered under loss sharing agreement.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6378536&amp;loc=d3e10092-111533<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5074-111524<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;">us-gaap_FinancingReceivableUnamortizedPurchasePremiumDiscount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageLoansOnRealEstate">
<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>Amount of investment in mortgage loan on real estate by entity with substantial portion of business acquiring and holding investment real estate or interest in real estate.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 310<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-29(Column G))<br> -URI http://asc.fasb.org/extlink&amp;oid=120402547&amp;loc=d3e617274-123014<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;">us-gaap_MortgageLoansOnRealEstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableNet">
<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>Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919230-210447<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=kffb_FinancingReceivables30To89DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsAxis=kffb_TroubledDebtRestructuringMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsAxis=kffb_TroubledDebtRestructuringMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404560470408">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Securities (Details) - Schedule of gross unrealized or unrecognized gains and losses - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available-for-sale Securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Available-for-sale Securities, Amortized cost</a></td>
<td class="nump">$ 538<span></span>
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<td class="nump">$ 1,040<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Available-for-sale Securities, Gross unrealized/ unrecognized gains</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Available-for-sale Securities, Gross unrealized/ unrecognized losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available-for-sale Securities, Estimated fair value</a></td>
<td class="nump">541<span></span>
</td>
<td class="nump">1,045<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=kffb_AgencyBondsMember', window );">Agency bonds [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available-for-sale Securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Available-for-sale Securities, Amortized cost</a></td>
<td class="nump">500<span></span>
</td>
<td class="nump">501<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Available-for-sale Securities, Gross unrealized/ unrecognized gains</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">4<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Available-for-sale Securities, Gross unrealized/ unrecognized losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available-for-sale Securities, Estimated fair value</a></td>
<td class="nump">503<span></span>
</td>
<td class="nump">505<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_ResidentialMortgageBackedSecuritiesMember', window );">Agency mortgage-backed: residential [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available-for-sale Securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Available-for-sale Securities, Amortized cost</a></td>
<td class="nump">38<span></span>
</td>
<td class="nump">43<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Available-for-sale Securities, Gross unrealized/ unrecognized gains</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Available-for-sale Securities, Gross unrealized/ unrecognized losses</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available-for-sale Securities, Estimated fair value</a></td>
<td class="nump">38<span></span>
</td>
<td class="nump">43<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_us-gaap_HeldToMaturitySecuritiesAbstract', window );"><strong>Held-to-maturity Securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment', window );">Held-to-maturity Securities, Amortized cost</a></td>
<td class="nump">598<span></span>
</td>
<td class="nump">775<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_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain', window );">Held-to-maturity Securities, Gross unrealized/ unrecognized gains</a></td>
<td class="nump">16<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Held-to-maturity Securities, Gross unrealized/ unrecognized losses</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Held-to-maturity Securities, Estimated fair value</a></td>
<td class="nump">$ 611<span></span>
</td>
<td class="nump">775<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAxis=us-gaap_USTreasurySecuritiesMember', window );">U.S. Treasury securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Available-for-sale Securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Available-for-sale Securities, Amortized cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">496<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_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Available-for-sale Securities, Gross unrealized/ unrecognized gains</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Available-for-sale Securities, Gross unrealized/ unrecognized losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <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_us-gaap_AvailableForSaleSecurities', window );">Available-for-sale Securities, Estimated fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 497<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis">
<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>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27161-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121558606&amp;loc=SL82898722-210454<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
<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>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</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;">us-gaap_AvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAbstract">
<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 );">- References</a><div><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;">us-gaap_AvailableForSaleSecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax">
<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>Amount before tax of unrealized gain in accumulated other comprehensive income (AOCI) on investments in debt and equity securities classified as available-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax">
<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>Amount before tax of unrealized loss in accumulated other comprehensive income (AOCI) on investments in debt and equity securities classified as available-for-sale.</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;">us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities">
<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>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121558606&amp;loc=SL82898722-210454<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26610-111562<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27161-111563<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesAbstract">
<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 );">- References</a><div><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;">us-gaap_HeldToMaturitySecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain">
<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>Amount of accumulated unrecognized gain on investment in debt security measured at amortized cost (held-to-maturity).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5A<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=SL120269820-111563<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;">us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss">
<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>Amount of accumulated unrealized loss on investment in debt security measured at amortized cost (held-to-maturity).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5A<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=SL120269820-111563<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;">us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment">
<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>Amount, before other-than-temporary impairment (OTTI) accretion, of investment in debt securities measured at amortized cost (held-to-maturity).</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;">us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=kffb_AgencyBondsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=kffb_AgencyBondsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_ResidentialMortgageBackedSecuritiesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_ResidentialMortgageBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAxis=us-gaap_USTreasurySecuritiesMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAxis=us-gaap_USTreasurySecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>57
<FILENAME>R42.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404560849144">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Securities (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebtAmortizedCost', window );">Amortized cost</a></td>
<td class="nump">$ 500,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FairValueCostMethodInvestments', window );">Fair value</a></td>
<td class="nump">$ 503,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FairValueMaturityPeriod', window );">Fair value maturity</a></td>
<td class="text">1 year<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure', window );">Held-to-maturity mortgage-backed securities</a></td>
<td class="nump">$ 67,000<span></span>
</td>
<td class="nump">$ 545,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrealizedGainLossOnSecurities', window );">Unrealized gain (loss) on securities</a></td>
<td class="nump">3,000<span></span>
</td>
<td class="nump">14,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Pledged securities</a></td>
<td class="nump">1,900,000<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SecuritiesHeldAsCollateralAtFairValue', window );">Securities Held as Collateral, at Fair Value</a></td>
<td class="nump">$ 1,500,000<span></span>
</td>
<td class="nump">$ 1,500,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_FairValueCostMethodInvestments">
<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 );">- References</a><div><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;">kffb_FairValueCostMethodInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_FairValueMaturityPeriod">
<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 );">- References</a><div><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;">kffb_FairValueMaturityPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss">
<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>Amount of accumulated unrealized loss on investments in debt and equity securities classified as available-for-sale that have been in a continuous loss position for less than twelve months.</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;">us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract">
<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 );">- References</a><div><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;">us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure">
<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>Fair value of securitized, pay-through debt securities collateralized by real estate mortgage loans classified as held-to-maturity.</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;">us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SecuritiesHeldAsCollateralAtFairValue">
<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 carrying amount (fair value) as of the balance sheet date of securities held that had been pledged by counterparties under financing and lending arrangements, pursuant to which the entity has the right by agreement or custom to sell or re-pledge such securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5086-111524<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;">us-gaap_SecuritiesHeldAsCollateralAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingSecuritiesDebtAmortizedCost">
<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>Amortized cost of investments in debt securities classified as trading.</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;">us-gaap_TradingSecuritiesDebtAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrealizedGainLossOnSecurities">
<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>Amount of unrealized gain (loss) recognized in the income statement on unsold other securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<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;">us-gaap_UnrealizedGainLossOnSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>58
<FILENAME>R41.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404650413576">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Details) - Schedule of loans outstanding - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_kffb_ScheduleOfLoansOutstandingAbstract', window );"><strong>Schedule of loans outstanding [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_OutstandingPrincipalAmount', window );">Outstanding principal, beginning of year</a></td>
<td class="nump">$ 1,246<span></span>
</td>
<td class="nump">$ 845<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ChangesInCompositionOfRelatedParties', window );">Changes in composition of related parties</a></td>
<td class="num">(129)<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_PrincipalDisbursed', window );">Principal disbursed during the year</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">538<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_PrincipalRepaidAndRefinanced', window );">Principal repaid and refinanced during the year</a></td>
<td class="num">(70)<span></span>
</td>
<td class="num">(137)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_OutstandingPrincipalAmount', window );">Outstanding principal, end of year</a></td>
<td class="nump">$ 1,047<span></span>
</td>
<td class="nump">$ 1,246<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ChangesInCompositionOfRelatedParties">
<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 );">- References</a><div><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;">kffb_ChangesInCompositionOfRelatedParties</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_OutstandingPrincipalAmount">
<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 );">- References</a><div><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;">kffb_OutstandingPrincipalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_PrincipalDisbursed">
<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 );">- References</a><div><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;">kffb_PrincipalDisbursed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_PrincipalRepaidAndRefinanced">
<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 );">- References</a><div><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;">kffb_PrincipalRepaidAndRefinanced</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ScheduleOfLoansOutstandingAbstract">
<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 );">- References</a><div><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;">kffb_ScheduleOfLoansOutstandingAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>59
<FILENAME>R40.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404552868984">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Details) - Schedule of financial instruments - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
<th class="th"><div>Jun. 30, 2018</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_kffb_FinancialAssetsAbstract', window );"><strong>Financial assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 13,702<span></span>
</td>
<td class="nump">$ 9,861<span></span>
</td>
<td class="nump">$ 9,943<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TimeDepositsAtCarryingValues', window );">Time deposits in other financial institutions</a></td>
<td class="nump">2,252<span></span>
</td>
<td class="nump">6,963<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AvailableForSaleSecuritiesCurrent', window );">Available-for-sale securities</a></td>
<td class="nump">541<span></span>
</td>
<td class="nump">1,045<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_HeldtomaturitySecurities1', window );">Held-to-maturity securities</a></td>
<td class="nump">611<span></span>
</td>
<td class="nump">775<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansHeldForSaleCarryingValue', window );">Loans held for sale</a></td>
<td class="nump">685<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup', window );">Loans receivable - net</a></td>
<td class="nump">295,431<span></span>
</td>
<td class="nump">285,700<span></span>
</td>
<td class="text">&#160;<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_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure', window );">Federal Home Loan Bank stock</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">830<span></span>
</td>
<td class="nump">758<span></span>
</td>
<td class="text">&#160;<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_kffb_FinancialLiabilitiesAbstract', window );"><strong>Financial liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_Deposit', window );">Deposits</a></td>
<td class="nump">213,118<span></span>
</td>
<td class="nump">193,864<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Federal Home Loan Bank advances</a></td>
<td class="nump">55,416<span></span>
</td>
<td class="nump">66,719<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance', window );">Advances by borrowers for taxes and insurance</a></td>
<td class="nump">800<span></span>
</td>
<td class="nump">763<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">27<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TypeOfFairValueByFairValueHierarchyLevelAxis=kffb_CarryingValueMember', window );">Carrying Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancialAssetsAbstract', window );"><strong>Financial assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">13,702<span></span>
</td>
<td class="nump">9,861<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TimeDepositsAtCarryingValues', window );">Time deposits in other financial institutions</a></td>
<td class="nump">2,229<span></span>
</td>
<td class="nump">6,962<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesCurrent', window );">Available-for-sale securities</a></td>
<td class="nump">541<span></span>
</td>
<td class="nump">1,045<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_HeldtomaturitySecurities1', window );">Held-to-maturity securities</a></td>
<td class="nump">598<span></span>
</td>
<td class="nump">775<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansHeldForSaleCarryingValue', window );">Loans held for sale</a></td>
<td class="nump">667<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup', window );">Loans receivable - net</a></td>
<td class="nump">285,887<span></span>
</td>
<td class="nump">280,969<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure', window );">Federal Home Loan Bank stock</a></td>
<td class="nump">6,498<span></span>
</td>
<td class="nump">6,482<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">830<span></span>
</td>
<td class="nump">758<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancialLiabilitiesAbstract', window );"><strong>Financial liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_Deposit', window );">Deposits</a></td>
<td class="nump">212,273<span></span>
</td>
<td class="nump">195,836<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Federal Home Loan Bank advances</a></td>
<td class="nump">54,715<span></span>
</td>
<td class="nump">66,703<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance', window );">Advances by borrowers for taxes and insurance</a></td>
<td class="nump">800<span></span>
</td>
<td class="nump">763<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">27<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Fair Value, Inputs, Level 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancialAssetsAbstract', window );"><strong>Financial assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">13,702<span></span>
</td>
<td class="nump">9,861<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TimeDepositsAtCarryingValues', window );">Time deposits in other financial institutions</a></td>
<td class="nump">2,252<span></span>
</td>
<td class="nump">6,963<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AvailableForSaleSecuritiesCurrent', window );">Available-for-sale securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_HeldtomaturitySecurities1', window );">Held-to-maturity securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansHeldForSaleCarryingValue', window );">Loans held for sale</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup', window );">Loans receivable - net</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<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_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure', window );">Federal Home Loan Bank stock</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<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_kffb_FinancialLiabilitiesAbstract', window );"><strong>Financial liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_Deposit', window );">Deposits</a></td>
<td class="nump">78,118<span></span>
</td>
<td class="nump">69,944<span></span>
</td>
<td class="text">&#160;<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_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Federal Home Loan Bank advances</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance', window );">Advances by borrowers for taxes and insurance</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Fair Value, Inputs, Level 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancialAssetsAbstract', window );"><strong>Financial assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TimeDepositsAtCarryingValues', window );">Time deposits in other financial institutions</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesCurrent', window );">Available-for-sale securities</a></td>
<td class="nump">541<span></span>
</td>
<td class="nump">1,045<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_HeldtomaturitySecurities1', window );">Held-to-maturity securities</a></td>
<td class="nump">611<span></span>
</td>
<td class="nump">775<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansHeldForSaleCarryingValue', window );">Loans held for sale</a></td>
<td class="nump">685<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup', window );">Loans receivable - net</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure', window );">Federal Home Loan Bank stock</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<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_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">830<span></span>
</td>
<td class="nump">758<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancialLiabilitiesAbstract', window );"><strong>Financial liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_Deposit', window );">Deposits</a></td>
<td class="nump">135,000<span></span>
</td>
<td class="nump">123,920<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Federal Home Loan Bank advances</a></td>
<td class="nump">55,416<span></span>
</td>
<td class="nump">66,719<span></span>
</td>
<td class="text">&#160;<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_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance', window );">Advances by borrowers for taxes and insurance</a></td>
<td class="nump">800<span></span>
</td>
<td class="nump">763<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">27<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Fair Value, Inputs, Level 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FinancialAssetsAbstract', window );"><strong>Financial assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TimeDepositsAtCarryingValues', window );">Time deposits in other financial institutions</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<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_us-gaap_AvailableForSaleSecuritiesCurrent', window );">Available-for-sale securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_HeldtomaturitySecurities1', window );">Held-to-maturity securities</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansHeldForSaleCarryingValue', window );">Loans held for sale</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup', window );">Loans receivable - net</a></td>
<td class="nump">295,431<span></span>
</td>
<td class="nump">285,700<span></span>
</td>
<td class="text">&#160;<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_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure', window );">Federal Home Loan Bank stock</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<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_kffb_FinancialLiabilitiesAbstract', window );"><strong>Financial liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Federal Home Loan Bank advances</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<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_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance', window );">Advances by borrowers for taxes and insurance</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_Deposit">
<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 aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p></div>
<a href="javascript:void(0);" onclick="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;">kffb_Deposit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_FinancialAssetsAbstract">
<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 );">- References</a><div><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;">kffb_FinancialAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_FinancialLiabilitiesAbstract">
<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 );">- References</a><div><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;">kffb_FinancialLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_HeldtomaturitySecurities1">
<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>Amount of investment in debt security measured at amortized cost (held-to-maturity).</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;">kffb_HeldtomaturitySecurities1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansHeldForSaleCarryingValue">
<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>Loans held for sale Carrying Value.</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;">kffb_LoansHeldForSaleCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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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>Any certificate of deposit or savings account held by a bank or other financial institution for a short-term specified period of time. Because of their short-term, time deposits are considered highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three-years ago does not become a cash equivalent when its remaining maturity is three months.</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;">kffb_TimeDepositsAtCarryingValues</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Fair value portion of trade and related party payables and accrued expenses.</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;">us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableFairValueDisclosure">
<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>Fair value portion of amount due from customers or clients for goods or services, including trade receivables, that have been delivered or sold in the normal course of business, and amounts due from others, including related parties.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 10<br> -URI http://asc.fasb.org/extlink&amp;oid=121572278&amp;loc=d3e13433-108611<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsReceivableFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance">
<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>Carrying amount of accumulated prepayments received by financial institutions from borrowers for taxes (for example, property taxes) and insurance (for example, property and catastrophe) which will periodically be remitted to the appropriate governmental agency or vendor on behalf of the borrower.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesCurrent">
<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>Amount of investment in debt and equity securities categorized neither as trading securities nor held-to-maturity securities and intended be sold or mature one year or operating cycle, if longer.</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;">us-gaap_AvailableForSaleSecuritiesCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121566466&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure">
<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>Fair value portion of borrowing from Federal Home Loan Bank (FHLBank).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure">
<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>Fair value portion of investments in Federal Home Loan Bank (FHLBank) stock.</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;">us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup">
<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>Amount, after valuation allowance, of financing receivable held for sale and not part of disposal group. Excludes loan covered under loss sharing agreement and loan classified as investment in debt security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 948<br> -SubTopic 310<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=120238483&amp;loc=d3e48678-111004<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_TypeOfFairValueByFairValueHierarchyLevelAxis=kffb_CarryingValueMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_TypeOfFairValueByFairValueHierarchyLevelAxis=kffb_CarryingValueMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404560391528">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Balance Sheets (Parentheticals) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_us-gaap_StatementOfFinancialPositionAbstract', window );"><strong>Statement of Financial Position [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Securities held-to-maturity securities, fair value (in Dollars)</a></td>
<td class="nump">$ 611<span></span>
</td>
<td class="nump">$ 775<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Loans, net of allowance (in Dollars)</a></td>
<td class="nump">$ 1,488<span></span>
</td>
<td class="nump">$ 1,456<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_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock par value (in Dollars per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
<td class="nump">500,000,000<span></span>
</td>
<td class="nump">500,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares outstanding</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock par value (in Dollars per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized</a></td>
<td class="nump">20,000,000<span></span>
</td>
<td class="nump">20,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued</a></td>
<td class="nump">8,596,064<span></span>
</td>
<td class="nump">8,596,064<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_us-gaap_TreasuryStockShares', window );">Treasury stock, shares</a></td>
<td class="nump">343,849<span></span>
</td>
<td class="nump">266,549<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
<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>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
<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>Fair value of investment in debt security measured at amortized cost (held-to-maturity).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (aa)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27232-111563<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=SL120269820-111563<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;">us-gaap_HeldToMaturitySecuritiesFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
<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>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (g)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)(1)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=121614798&amp;loc=d3e15032-111544<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section S99<br> -Paragraph 4<br> -Subparagraph (SAB Topic 6.L.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74567-122707<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfFinancialPositionAbstract">
<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 );">- References</a><div><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;">us-gaap_StatementOfFinancialPositionAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.29,30)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>61
<FILENAME>R39.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404560754552">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Details) - Schedule of fair value measurements for financial instruments - Loans One To Four Family [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AvailableForSalesSecuritiesFairValue', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 593<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ValuationTechniques', window );">Valuation Technique(s)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Sales comparison approach<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription', window );">Unobservable Input(s)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Adjustments for differences between comparable sales<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FairValueAssumptionsWeightedAverageVolatilityRateDescription', window );">Range (Weighted Average)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">25.3% to -50.6% (-0.6%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=kffb_RepossessedAssetsMember', window );">Foreclosed and repossessed assets: [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_AvailableForSalesSecuritiesFairValue', window );">Fair Value</a></td>
<td class="nump">$ 465<span></span>
</td>
<td class="nump">$ 117<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ValuationTechniques', window );">Valuation Technique(s)</a></td>
<td class="text">Sales comparison approach<span></span>
</td>
<td class="text">Sales comparison approach<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription', window );">Unobservable Input(s)</a></td>
<td class="text">Adjustments for differences between comparable sales<span></span>
</td>
<td class="text">Adjustments for differences between comparable sales<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FairValueAssumptionsWeightedAverageVolatilityRateDescription', window );">Range (Weighted Average)</a></td>
<td class="text">-2.7% to 41.2% (20.4%)<span></span>
</td>
<td class="text">8.6% to 31.0% (29.0%)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">kffb_AvailableForSalesSecuritiesFairValue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">kffb_FairValueAssumptionsWeightedAverageVolatilityRateDescription</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>Description of where the gains (losses) for the periods arising from assets and liabilities measured at fair value on a recurring basis using unobservable inputs (Level 3) are included in other comprehensive income.</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;">kffb_FairValueMeasurementWithUnobservableInputReconciliationRecurringBasisAssetAndLiabilityGainLossIncludedInOtherComprehensiveIncomeLossDescription</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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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 );">- References</a><div><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;">kffb_ValuationTechniques</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOneToFourFamilyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=kffb_RepossessedAssetsMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=kffb_RepossessedAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
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</body>
</html>
</TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>62
<FILENAME>R38.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404560925128">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Details) - Schedule of assets measured at fair value on a non-recurring basis - Loans One To Four Family [Member] - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember', window );">Other real estate owned net one- to four-family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="nump">$ 465<span></span>
</td>
<td class="nump">$ 117<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember', window );">Other real estate owned net one- to four-family [Member] | Fair Value, Inputs, Level 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember', window );">Other real estate owned net one- to four-family [Member] | Fair Value, Inputs, Level 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_ResidentialRealEstateOneToFourFamilyMember', window );">Other real estate owned net one- to four-family [Member] | Fair Value, Inputs, Level 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="nump">$ 465<span></span>
</td>
<td class="nump">117<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOneMember', window );">Loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">593<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOneMember', window );">Loans [Member] | Fair Value, Inputs, Level 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOneMember', window );">Loans [Member] | Fair Value, Inputs, Level 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOneMember', window );">Loans [Member] | Fair Value, Inputs, Level 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 593<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosure">
<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>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404561166376">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Details) - Schedule of fair value measurements of assets and liabilities measured at fair value on a recurring basis - USD ($)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=kffb_AgencyBondsMember', window );">Agency Bonds [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="nump">$ 503<span></span>
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<td class="nump">$ 505<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=kffb_AgencyMortgagebackedResidentialMember', window );">Agency mortgage-backed: residential [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="nump">38<span></span>
</td>
<td class="nump">43<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USTreasurySecuritiesMember', window );">U.S. Treasury notes [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">497<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Agency Bonds [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Agency mortgage-backed: residential [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member', window );">Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Treasury notes [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Significant Other Observable Inputs (Level 2) [Member] | Agency Bonds [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="nump">503<span></span>
</td>
<td class="nump">505<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Significant Other Observable Inputs (Level 2) [Member] | Agency mortgage-backed: residential [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="nump">38<span></span>
</td>
<td class="nump">43<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member', window );">Significant Other Observable Inputs (Level 2) [Member] | U.S. Treasury notes [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">497<span></span>
</td>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) [Member] | Agency Bonds [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) [Member] | Agency mortgage-backed: residential [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) [Member] | U.S. Treasury notes [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=117815213&amp;loc=d3e19207-110258<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td><strong> Name:</strong></td>
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404565725624">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Details) - Schedule of earnings per share - USD ($)<br> $ / shares in Units, $ in Thousands</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_kffb_ScheduleOfEarningsPerShareAbstract', window );"><strong>Schedule of earnings per share [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net (loss) income allocated to common shareholders, basic and diluted</a></td>
<td class="num">$ (12,547)<span></span>
</td>
<td class="nump">$ 812<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAndDiluted', window );">(LOSS) EARNINGS PER SHARE</a></td>
<td class="num">$ (1.52)<span></span>
</td>
<td class="nump">$ 0.10<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted', window );">Weighted average common shares outstanding, basic and diluted</a></td>
<td class="nump">8,251,860<span></span>
</td>
<td class="nump">8,335,612<span></span>
</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of net income or loss for the period per each share in instances when basic and diluted earnings per share are the same amount and reported as a single line item on the face of the financial statements.  Basic earnings per share is the amount of net income or loss for the period per each share of common stock or unit outstanding during the reporting period.  Diluted earnings per share includes the amount of net income or loss for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=d3e1337-109256<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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669619-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 205<br> -SubTopic 20<br> -Section 50<br> -Paragraph 7<br> -URI 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<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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Average number of shares or units issued and outstanding that are used in calculating basic and diluted earnings per share (EPS).</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>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404654653384">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Details) - Schedule of retirement and employee benefit plans - USD ($)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ScheduleOfRetirementAndEmployeeBenefitPlansAbstract', window );"><strong>Schedule of retirement and employee benefit plans [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DistributedEarnings', window );">Allocated shares</a></td>
<td class="nump">$ 104,254<span></span>
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<td class="nump">$ 123,241<span></span>
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</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_SharesCommittedToBeReleased', window );">Shares committed to be released (in Shares)</a></td>
<td class="nump">9,338<span></span>
</td>
<td class="nump">9,338<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_UnearnedESOPShares1', window );">Unearned shares</a></td>
<td class="nump">$ 28,936<span></span>
</td>
<td class="nump">$ 47,607<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Total ESOP shares (in Shares)</a></td>
<td class="nump">142,528<span></span>
</td>
<td class="nump">180,186<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_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of unearned shares at End of period</a></td>
<td class="nump">$ 195,000<span></span>
</td>
<td class="nump">$ 374,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ScheduleOfRetirementAndEmployeeBenefitPlansAbstract">
<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 );">- References</a><div><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;">kffb_ScheduleOfRetirementAndEmployeeBenefitPlansAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_SharesCommittedToBeReleased">
<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 );">- References</a><div><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;">kffb_SharesCommittedToBeReleased</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_UnearnedESOPShares1">
<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>Fair value of unearned shares for all classes of common stock and nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by an employee stock ownership plan (ESOP). Includes the sale of shares or the issuance treasury shares to an ESOP.</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;">kffb_UnearnedESOPShares1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets">
<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>Amount of asset segregated and restricted to provide benefit under defined benefit plan. Asset includes, but is not limited to, stock, bond, other investment, earning from investment, and contribution by employer and employee.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -URI http://asc.fasb.org/extlink&amp;oid=118255775&amp;loc=d3e1928-114920<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -URI http://asc.fasb.org/extlink&amp;oid=118255775&amp;loc=d3e1928-114920<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=118255775&amp;loc=d3e1928-114920<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 55<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=118257860&amp;loc=d3e4179-114921<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(02)<br> -URI http://asc.fasb.org/extlink&amp;oid=118255775&amp;loc=d3e1928-114920<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=118255775&amp;loc=d3e1928-114920<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 715<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=118255775&amp;loc=d3e1928-114920<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;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DistributedEarnings">
<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 total amount of dividends declared in the period for each class of stock and the contractual amount of dividends (or interest on participating income bonds) that must be paid for the period (for example, unpaid cumulative dividends). Dividends declared in the current period do not include dividends declared in respect of prior-period unpaid cumulative dividends. Preferred dividends that are cumulative only if earned are deducted only to the extent that they are earned.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121326447&amp;loc=SL5780133-109256<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;">us-gaap_DistributedEarnings</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>duration</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404560917992">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
<th class="th"><div>Mar. 31, 2005</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_SummaryofSignificantAccountingPoliciesDetailsLineItems', window );"><strong>Summary of Significant Accounting Policies (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loan held for sale</a></td>
<td class="nump">$ 667,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AmortizationOfMortgageServicingRightsMSRs', window );">Amortization of mortgage servicing rights</a></td>
<td class="nump">20,000<span></span>
</td>
<td class="nump">$ 13,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ServicingMortgageLoans', window );">Servicing mortgage loans</a></td>
<td class="nump">12,100,000<span></span>
</td>
<td class="nump">9,400,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ServicingFee', window );">Servicing fees</a></td>
<td class="nump">$ 7,000<span></span>
</td>
<td class="nump">15,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_DescriptionOfMortageLoans', window );">Description of mortage loans</a></td>
<td class="text">We offer a mix of adjustable-rate and fixed-rate mortgage loans with terms up to 30 years for owner-occupied properties. For these properties a borrower may be able to borrow up to 95% of the value with private mortgage insurance. Alternatively, the borrower may be able to borrow up to 90% of the value through other programs offered by the bank.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest rate, percentage</a></td>
<td class="nump">80.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_NonresidentialLoanPercentage', window );">Nonresidential loan, percentage</a></td>
<td class="nump">80.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_DescriptionOfConsumerLeading', window );">Consumer leading, description</a></td>
<td class="text">Home equity loans are generally second mortgage loans subordinate only to first mortgages also held by the bank and do not exceed 80% of the estimated value of the property. We do offer home equity loans up to 90% of the estimated value to qualified borrowers and these loans carry a premium interest rate. Loans secured by savings are originated up to 90% of the depositor&#x2019;s savings account balance and bear interest at a rate higher than the rate paid on the deposit account.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue', window );">Fixed assets held for sale</a></td>
<td class="nump">$ 161,000<span></span>
</td>
<td class="nump">161,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations', window );">Income tax benefit, percentage</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherTaxExpenseBenefit', window );">Income tax benefit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">63,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GeneralDiscussionOfPensionAndOtherPostretirementBenefits', window );">Retirement and employee benefit plans, description</a></td>
<td class="text">The Pentegra DB Plan is a single plan under Internal Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities. Accordingly, under the Pentegra DB Plan contributions made by a participating employer may be used to provide benefits to participants of other participating employers. Total contributions made to the Pentegra DB Plan, as reported on Form 5500, equal $138.3 million and $164.6 million for the plan years ended June 30, 2019 and 2018, respectively. Our contributions for fiscal 2020 and 2019 were not more than 5% of the total contributions made to the Pentegra DB Plan. Pension expense is the net contributions, which are based upon covered employees&#x2019; ages and salaries and are dependent upon the ultimate prescribed benefits of the participants and the funded status of the plan. The Company recognized expense related to the plans totaling approximately $935,000 and $1.2 million for the fiscal years ended June 30, 2020 and 2019, respectively. There are no collective bargaining agreements in place that require contributions to the Pentegra DB Plan. As of July 1, 2019, the most recent period for which information is available, the Banks had an adjusted funding target attainment percentage (&#x201c;AFTAP&#x201d;) of 86.98%. There are no funding improvement plans or surcharges to participants. Effective July 1, 2016, sponsorship of the plan was transferred to the Company, benefits ratios were standardized and prospectively each bank will contribute to the plan based generally on its pro rata share of future benefits. Effective April 1, 2019, the Company elected to freeze benefits to its employee participants.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredCompensationLiabilityCurrent', window );">Deferred compensation</a></td>
<td class="nump">$ 2,000<span></span>
</td>
<td class="nump">2,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredCompensationShareBasedArrangementsLiabilityCurrent', window );">Deferred compensation liabilities</a></td>
<td class="nump">51,000<span></span>
</td>
<td class="nump">49,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount', window );">Loan repayment</a></td>
<td class="nump">528,000<span></span>
</td>
<td class="nump">765,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses', window );">Employee stock ownership plan expense</a></td>
<td class="nump">$ 135,000<span></span>
</td>
<td class="nump">$ 144,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares', window );">Employee stock ownership plan, shares (in Shares)</a></td>
<td class="nump">194,445<span></span>
</td>
<td class="nump">156,787<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EmployeeStockOwnershipPlanESOPCashContributionsToESOP', window );">Employee stock ownership plan contribution</a></td>
<td class="nump">$ 280,000<span></span>
</td>
<td class="nump">$ 280,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Fair value amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">13,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RealEstateOwnershipAmount', window );">Real estate ownership amount</a></td>
<td class="nump">$ 36,000<span></span>
</td>
<td class="nump">66,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentMaturityDateDescription', window );">Maturity term description</a></td>
<td class="text">For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks and interest-bearing deposits in other financial institutions with original maturities of less than ninety days.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_GoodwillAmount', window );">Goodwill amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 14,500,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DueFromOtherRelatedParties', window );">Deposits from related parties</a></td>
<td class="nump">$ 3,300,000<span></span>
</td>
<td class="nump">$ 2,200,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NumberOfReportingUnits', window );">Operating segment</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetImpairment', window );">Goodwill impairment charge</a></td>
<td class="nump">$ 13,600,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_SalesOfStockPricePerShare', window );">Common stock per share price (in Dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1.64<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_GoodwillPercentage', window );">Goodwill, percentage</a></td>
<td class="nump">93.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ProductOrServiceAxis=kffb_MortgageServicingRightsMember', window );">Mortgage Servicing Rights [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_SummaryofSignificantAccountingPoliciesDetailsLineItems', window );"><strong>Summary of Significant Accounting Policies (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AmortizationOfMortgageServicingRightsMSRs', window );">Amortization of mortgage servicing rights</a></td>
<td class="nump">$ 96,000<span></span>
</td>
<td class="nump">$ 76,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ResidentialRealEstateFamilyAxis=kffb_LoansOneToFourFamilyMember', window );">Loans One To Four Family [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_SummaryofSignificantAccountingPoliciesDetailsLineItems', window );"><strong>Summary of Significant Accounting Policies (Details) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest rate, percentage</a></td>
<td class="nump">80.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_DescriptionOfConsumerLeading">
<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 );">- References</a><div><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;">kffb_DescriptionOfConsumerLeading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_DescriptionOfMortageLoans">
<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 );">- References</a><div><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;">kffb_DescriptionOfMortageLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</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_kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses">
<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 amount of plan compensation cost recognized during the period.</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;">kffb_EmployeeStockOwnershipPlanESOPCompensationExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_GoodwillAmount">
<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 );">- References</a><div><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;">kffb_GoodwillAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_GoodwillPercentage">
<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 );">- References</a><div><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;">kffb_GoodwillPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_NonresidentialLoanPercentage">
<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 );">- References</a><div><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;">kffb_NonresidentialLoanPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_RealEstateOwnershipAmount">
<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>Real estate ownership amount.</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;">kffb_RealEstateOwnershipAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_SalesOfStockPricePerShare">
<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 );">- References</a><div><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;">kffb_SalesOfStockPricePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ServicingFee">
<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 );">- References</a><div><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;">kffb_ServicingFee</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ServicingMortgageLoans">
<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 );">- References</a><div><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;">kffb_ServicingMortgageLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_SummaryofSignificantAccountingPoliciesDetailsLineItems">
<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 );">- References</a><div><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;">kffb_SummaryofSignificantAccountingPoliciesDetailsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfMortgageServicingRightsMSRs">
<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 periodic amortization (in proportion to and over the period of estimated net servicing income or loss) of capitalized servicing rights, which contractually entitle the servicer to receive fees and ancillary revenues for performing billing, collection, disbursement and recordkeeping services in connection with a mortgage portfolio. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3602-108585<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 50<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=116651436&amp;loc=d3e122739-111746<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;">us-gaap_AmortizationOfMortgageServicingRightsMSRs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue">
<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>Fair value of investments in debt securities that are deemed to be available for sale that are allocated to the segregated group of participating or dividend-paying policies and contracts identified as the closed block. Change in fair of such securities is a component of change in other comprehensive income in the period, which is reflected in the closed block disclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 805<br> -Section 55<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121635976&amp;loc=d3e31071-158570<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 805<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=121638837&amp;loc=d3e30806-158569<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;">us-gaap_AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateStatedPercentage">
<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>Contractual interest rate for funds borrowed, under the debt agreement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentInterestRateStatedPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentMaturityDateDescription">
<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>Description of the maturity date of the debt instrument including whether the debt matures serially and, if so, a brief description of the serial maturities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(2))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<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;">us-gaap_DebtInstrumentMaturityDateDescription</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredCompensationLiabilityCurrent">
<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>Aggregate carrying value as of the balance sheet date of the liabilities for all deferred compensation arrangements payable within one year (or the operating cycle, if longer). Represents currently earned compensation under compensation arrangements that is not actually paid until a later date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 710<br> -SubTopic 10<br> -Section 25<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=6409733&amp;loc=d3e19512-108361<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 710<br> -SubTopic 10<br> -Section 30<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6409875&amp;loc=d3e20028-108363<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;">us-gaap_DeferredCompensationLiabilityCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredCompensationShareBasedArrangementsLiabilityCurrent">
<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>Aggregate carrying value as of the balance sheet date of the liabilities for stock option plans and other equity-based compensation arrangements payable within one year (or the operating cycle, if longer).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.20)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<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;">us-gaap_DeferredCompensationShareBasedArrangementsLiabilityCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DueFromOtherRelatedParties">
<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>Amount receivable from related parties classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.3)<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08.(k)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 850<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<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;">us-gaap_DueFromOtherRelatedParties</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations">
<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>Percentage of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeStockOwnershipPlanESOPCashContributionsToESOP">
<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>This item represents the amount of cash contributions during the period made by the entity to the Employee Stock Ownership Plan (ESOP).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeStockOwnershipPlanESOPCashContributionsToESOP</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount">
<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 amount reported as a liability as of the balance sheet date by the entity (the employer) of the loan made by a third-party lender directly to the ESOP.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 25<br> -Paragraph 9<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244457&amp;loc=d3e16545-113920<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;">us-gaap_EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares">
<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 shares or units in an ESOP trust that have been assigned to individual participant accounts based on a known formula. IRS rules require allocations to be nondiscriminatory generally based on compensation, length of service, or a combination of both. For any particular participant such shares or units may be vested, unvested, or partially vested.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 40<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=109244661&amp;loc=d3e17540-113929<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GeneralDiscussionOfPensionAndOtherPostretirementBenefits">
<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>Description of nature and type of retirement benefits.</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;">us-gaap_GeneralDiscussionOfPensionAndOtherPostretirementBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetImpairment">
<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>Total loss recognized during the period from the impairment of goodwill plus the loss recognized in the period resulting from the impairment of the carrying amount of intangible assets, other than goodwill.</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;">us-gaap_GoodwillAndIntangibleAssetImpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleFairValueDisclosure">
<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>Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.</p></div>
<a href="javascript:void(0);" onclick="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;">us-gaap_LoansHeldForSaleFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of reporting units tested for impairment of goodwill. A reporting unit is an operating segment or one level below an operating segment.</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>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of other income tax expense (benefit).</p></div>
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<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;">us-gaap_OtherTaxExpenseBenefit</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 50<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=6469459&amp;loc=d3e122501-111745<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 50<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6469459&amp;loc=d3e122492-111745<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 50<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=116651436&amp;loc=d3e122625-111746<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 860<br> -SubTopic 50<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=6469459&amp;loc=d3e122501-111745<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">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404562216168">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Condensed Financial Statements of Kentucky First Federal Bancorp (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,168</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Interest-bearing
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">34</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total
    assets</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">51,937</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">66,300</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">LIABILITIES AND SHAREHOLDERS&#x2019;
    EQUITY</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Accounts
    payable and other liabilities</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">26</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">22</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total liabilities</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">26</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">22</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Shareholders&#x2019;
    equity</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">51,911</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">66,278</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total
    liabilities and shareholders&#x2019; equity</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">51,937</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">66,300</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ScheduleOfCondensedIncomeStatementTableTextBlock', window );">Schedule of Statements of Income</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">Income</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Interest
    income</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">42</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">54</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Dividends
    from First Federal of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">607</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">740</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Equity
    in undistributed (excess distributed) earnings of First Federal of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(47</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(224</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Dividends
    from Frankfort First</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">576</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,499</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Equity
    in undistributed (excess distributed) earnings of Frankfort First</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(13,459</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(1,981</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">Total
    income</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(12,281</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,815</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">Non-interest
    expenses</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">325</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">382</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">(Loss)
    earnings before income taxes</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(12,606</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">941</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">Federal
    income tax expense (benefit)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(59</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(106</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">Net
    (loss) income</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(12,547</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">812</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">Other
    comprehensive (loss) income, net of tax-related effects:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Unrealized
    holding gains (losses) on securities designated as available for sale during the year, net of taxes (benefits) of $(1) and
    $1 in 2020 and 2019, respectively</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(2</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">Comprehensive
    (loss) income</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(12,549</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">816</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock', window );">Schedule of Statements of Cash Flows</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">Cash flows from operating activities:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Net
    (loss) earnings for the year</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(12,547</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">812</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Adjustments
    to reconcile net earnings to net cash provided by operating activities:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">Excess
    (deficit) distributions over earnings (undistributed earnings) from consolidated subsidiaries</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">13,509</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,205</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Noncash
    compensation expense</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">112</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,588</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Depreciation</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">11</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Increase
    (decrease) in cash due to changes in:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">Prepaid
    expenses and other assets</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">68</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(206</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">Other
    liabilities</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(10</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 34.2pt"><font style="font-family: Times New Roman, Times, Serif">Net
    cash provided by operating activities</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,158</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,970</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">Cash
    flows from investing activities:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Additions
    to premises and equipment, net</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 34.2pt"><font style="font-family: Times New Roman, Times, Serif">Net
    cash used in investing activities</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">Cash
    flows from financing activities:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Treasury
    stock purchases</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(542</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(904</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Dividends
    paid on common stock</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(1,388</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(1,436</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404563978472">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity and Regulatory Capital (Tables)<br></strong></div></th>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">(Dollars in thousands)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">Risk-based capital:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 52%; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Common
    Equity Tier 1 capital ratio</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">50,962</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">27.6</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,305</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4.5</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Tier 1 (core) capital
    ratio</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">50,962</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">27.6</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">11,073</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6.0</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Total capital ratio</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">50,962</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">27.6</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">14,764</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8.0</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Leverage capital:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Tier 1 leverage capital
    to average assets</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">50,962</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">15.4</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">13,220</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4.0</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Minimum
    Requirement</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">For
    Capital</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Actual</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Adequacy
    Purposes</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">(Dollars in thousands)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">Community Bank Leverage Ratio:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 52%; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">First
    Federal Savings and Loan Association of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">18,256</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">21.9</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,740</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8.0</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">First Federal Savings
    Bank of Kentucky</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">29,898</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12.1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">15,153</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8.0</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><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_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Schedule of minimum capital ratios</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold">&#xa0;</td>
    <td colspan="14" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center">&#xa0;</td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold">&#xa0;</td><td style="font-family: Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Minimum</font></td><td style="font-family: Times New Roman, Times, Serif">&#xa0;</td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="14" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">As
    of June 30, 2019</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Requirement</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Minimum</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">To
    be &#x201c;Well-</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Requirement</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Capitalized&#x201d;
    Under</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">For
    Capital</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Prompt
    Corrective</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Actual</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Adequacy
    Purposes</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Action
    Provisions</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>(Dollars
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">Risk-based capital:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Common Equity Tier
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Kentucky First Federal</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">26.8</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,685</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4.5</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">First Federal of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">38.5</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,139</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4.5</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,090</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6.5</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">First Federal of Kentucky</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">20.4</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,543</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4.5</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">9,451</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6.5</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Tier 1 (core) capital
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Kentucky First Federal</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">First Federal of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,803</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8.0</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">First Federal of Kentucky</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6.0</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">11,632</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8.0</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Kentucky First Federal</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Tier 1 leverage capital
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404563796744">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loan Commitments (Tables)<br></strong></div></th>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404563847784">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal Income Taxes (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
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<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(2,579</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Increase (decrease) resulting primarily
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(15</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Deferred tax liability
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">14</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(63</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Goodwill impairment</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,848</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Other</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(3</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">19</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">264</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">141</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><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_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Schedule of composition of the company's net deferred tax liability</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Taxes (payable refundable on temporary
    differences at estimated corporate tax rate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Deferred tax assets:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">General
    loan loss allowance</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">371</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">363</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Accrued expenses</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">164</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">113</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Fair value accounting
    adjustments on acquisition</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">199</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">223</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Nonaccrued interest
    on loans</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">118</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">102</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Other real estate
    owned adjustments</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">17</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">16</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Depreciation</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">37</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">38</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Charitable contributions</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">State
    net operating loss carryforward</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">170</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total deferred
    tax assets</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">918</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,025</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Deferred tax liabilities:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Federal Home Loan
    Bank stock dividends</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(981</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(981</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Deferred loan origination
    costs</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(33</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(48</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Loan servicing rights</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(24</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(18</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Accrual to cash adjustment</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(170</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(127</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Fair
    value accounting adjustments on acquisition</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(547</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(552</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total
    deferred tax liabilities</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(1,755</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(1,726</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Net
    deferred tax liability</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(837</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(701</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32537-109319<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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 12<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32687-109319<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">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404558787704">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Balance Sheets - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</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_us-gaap_StatementOfFinancialPositionAbstract', window );"><strong>Statement of Financial Position [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from financial institutions</a></td>
<td class="nump">$ 1,662<span></span>
</td>
<td class="nump">$ 1,870<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_InterestBearingDemandDeposits', window );">Interest-bearing demand deposits</a></td>
<td class="nump">12,040<span></span>
</td>
<td class="nump">7,991<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">13,702<span></span>
</td>
<td class="nump">9,861<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TimeDepositsInOtherFinancialInstitutions', window );">Time deposits in other financial institutions</a></td>
<td class="nump">2,229<span></span>
</td>
<td class="nump">6,962<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_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
<td class="nump">541<span></span>
</td>
<td class="nump">1,045<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_us-gaap_HeldToMaturitySecurities', window );">Securities held-to-maturity, at amortized cost- approximate fair value of $611 and $775 at June 30, 2020 and 2019, respectively</a></td>
<td class="nump">598<span></span>
</td>
<td class="nump">775<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansAvailableForSale', window );">Loans held for sale</a></td>
<td class="nump">667<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Loans, net of allowance of $1,488 and $1,456 at June 30, 2020 and 2019, respectively</a></td>
<td class="nump">285,887<span></span>
</td>
<td class="nump">280,969<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_us-gaap_OtherRealEstate', window );">Other real estate owned, net</a></td>
<td class="nump">640<span></span>
</td>
<td class="nump">710<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_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
<td class="nump">4,916<span></span>
</td>
<td class="nump">5,028<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_us-gaap_FederalHomeLoanBankStock', window );">Federal Home Loan Bank stock, at cost</a></td>
<td class="nump">6,498<span></span>
</td>
<td class="nump">6,482<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_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></td>
<td class="nump">830<span></span>
</td>
<td class="nump">758<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_us-gaap_BankOwnedLifeInsurance', window );">Bank-owned life insurance</a></td>
<td class="nump">2,594<span></span>
</td>
<td class="nump">2,518<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_us-gaap_Goodwill', window );">Goodwill</a></td>
<td class="nump">947<span></span>
</td>
<td class="nump">14,507<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_us-gaap_PrepaidTaxes', window );">Prepaid federal income taxes</a></td>
<td class="nump">135<span></span>
</td>
<td class="nump">266<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent', window );">Prepaid expenses and other assets</a></td>
<td class="nump">952<span></span>
</td>
<td class="nump">890<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">321,136<span></span>
</td>
<td class="nump">330,771<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_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>LIABILITIES AND SHAREHOLDERS&#8217; EQUITY</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Deposits', window );">Deposits</a></td>
<td class="nump">212,273<span></span>
</td>
<td class="nump">195,836<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_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Federal Home Loan Bank advances</a></td>
<td class="nump">54,715<span></span>
</td>
<td class="nump">66,703<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_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance', window );">Advances by borrowers for taxes and insurance</a></td>
<td class="nump">800<span></span>
</td>
<td class="nump">763<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_us-gaap_InterestPayableCurrentAndNoncurrent', window );">Accrued interest payable</a></td>
<td class="nump">27<span></span>
</td>
<td class="nump">28<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_us-gaap_DeferredIncomeTaxLiabilitiesNet', window );">Deferred federal income taxes</a></td>
<td class="nump">837<span></span>
</td>
<td class="nump">701<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_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">573<span></span>
</td>
<td class="nump">462<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">269,225<span></span>
</td>
<td class="nump">264,493<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_us-gaap_CommitmentsAndContingencies', window );">Commitments and contingencies</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_StockholdersEquityAbstract', window );"><strong>Shareholders&#8217; equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock, 500,000 shares authorized, $.01 par value; no shares issued and outstanding</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <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_us-gaap_CommonStockValue', window );">Common stock, 20,000,000 shares authorized, $.01 par value; 8,596,064 shares issued</a></td>
<td class="nump">86<span></span>
</td>
<td class="nump">86<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_us-gaap_AdditionalPaidInCapitalCommonStock', window );">Additional paid-in capital</a></td>
<td class="nump">34,981<span></span>
</td>
<td class="nump">35,056<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_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">19,932<span></span>
</td>
<td class="nump">33,867<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_us-gaap_UnearnedESOPShares', window );">Unearned employee stock ownership plan (ESOP)</a></td>
<td class="num">(289)<span></span>
</td>
<td class="num">(476)<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_us-gaap_TreasuryStockValue', window );">Treasury shares at cost, 343,849 and 266,549 common shares at June 30, 2020 and 2019, respectively</a></td>
<td class="num">(2,801)<span></span>
</td>
<td class="num">(2,259)<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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive income</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Total shareholders&#8217; equity</a></td>
<td class="nump">51,911<span></span>
</td>
<td class="nump">66,278<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders&#8217; equity</a></td>
<td class="nump">$ 321,136<span></span>
</td>
<td class="nump">$ 330,771<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_InterestBearingDemandDeposits">
<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 amount of money in accounts that will bear interest and that the depositor is entitled to withdraw at any time without prior notice.</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;">kffb_InterestBearingDemandDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_LoansAvailableForSale">
<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>Loans available for sale.</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;">kffb_LoansAvailableForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_TimeDepositsInOtherFinancialInstitutions">
<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 );">- References</a><div><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;">kffb_TimeDepositsInOtherFinancialInstitutions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
<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>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 11<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e637-108580<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=SL7669686-108580<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121370832&amp;loc=SL117420844-207641<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(ii)<br> -URI http://asc.fasb.org/extlink&amp;oid=121370832&amp;loc=SL117420844-207641<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=121641772&amp;loc=d3e681-108580<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapitalCommonStock">
<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>Value received from shareholders in common stock-related transactions that are in excess of par value or stated value and amounts received from other stock-related transactions. Includes only common stock transactions (excludes preferred stock transactions). May be called contributed capital, capital in excess of par, capital surplus, or paid-in capital.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<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;">us-gaap_AdditionalPaidInCapitalCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Carrying amount of accumulated prepayments received by financial institutions from borrowers for taxes (for example, property taxes) and insurance (for example, property and catastrophe) which will periodically be remitted to the appropriate governmental agency or vendor on behalf of the borrower.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<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>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -URI http://asc.fasb.org/extlink&amp;oid=121559654&amp;loc=d3e5710-111685<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=116870748&amp;loc=SL6758485-165988<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8933-108599<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8736-108599<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
<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>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</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;">us-gaap_AvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=121586364&amp;loc=d3e3044-108585<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121566466&amp;loc=d3e6676-107765<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.1)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndDueFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingencies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.25)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.(a),19)<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.17)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 450<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121557415&amp;loc=d3e14326-108349<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommitmentsAndContingencies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxLiabilitiesNet">
<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>Amount, after deferred tax asset, of deferred tax liability attributable to taxable differences with jurisdictional netting.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=120406818&amp;loc=d3e31931-109318<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -URI http://asc.fasb.org/extlink&amp;oid=120406818&amp;loc=d3e31917-109318<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxLiabilitiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<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 aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm">
<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>Including both current and noncurrent portions, Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.16)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=75038535&amp;loc=d3e64702-112823<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesLongTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 325<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=75031641&amp;loc=d3e63345-112809<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
<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>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10)(1))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=120320667&amp;loc=SL49117168-202975<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=99380562&amp;loc=d3e13770-109266<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;">us-gaap_Goodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
<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>Amount of investment in debt security measured at amortized cost (held-to-maturity).</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=121553693&amp;loc=d3e26610-111562<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 320<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -URI http://asc.fasb.org/extlink&amp;oid=121645371&amp;loc=d3e27232-111563<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></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;">us-gaap_HeldToMaturitySecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPayableCurrentAndNoncurrent">
<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>Amount of interest payable on debt, including, but not limited to, trade payables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15(5))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03.15(a))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<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;">us-gaap_InterestPayableCurrentAndNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestReceivable">
<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>Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.8)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=116870748&amp;loc=SL6758485-165988<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -URI http://asc.fasb.org/extlink&amp;oid=121559654&amp;loc=d3e5710-111685<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19-26)<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=121559654&amp;loc=d3e5710-111685<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120311839&amp;loc=d3e8906-108599<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
<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>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 323<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=114001798&amp;loc=d3e33918-111571<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -URI http://asc.fasb.org/extlink&amp;oid=120395691&amp;loc=d3e23780-122690<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -URI http://asc.fasb.org/extlink&amp;oid=75031198&amp;loc=d3e14064-108612<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">us-gaap_LiabilitiesAndStockholdersEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
<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>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121593590&amp;loc=d3e4428-111522<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.7)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableNetReportedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
<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>Amount of liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<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;">us-gaap_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstate">
<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>Carrying amount of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherRealEstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent">
<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>Amount of asset related to consideration paid in advance for costs that provide economic benefits in future periods, and amount of other assets that are expected to be realized or consumed after one year or the normal operating cycle, if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<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;">us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrepaidTaxes">
<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>Amount of asset related to consideration paid in advance for income and other taxes that provide economic benefits within a future period of one year or the normal operating cycle, if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (g)(4)<br> -URI http://asc.fasb.org/extlink&amp;oid=121566466&amp;loc=d3e6676-107765<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section 45<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=121566466&amp;loc=d3e6787-107765<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 340<br> -SubTopic 10<br> -Section 45<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6387103&amp;loc=d3e6435-108320<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 340<br> -SubTopic 10<br> -Section 05<br> -Paragraph 5<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=68074540&amp;loc=d3e5879-108316<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;">us-gaap_PrepaidTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(14))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
<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 cumulative amount of the reporting entity's undistributed earnings or deficit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(3))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 65<br> -Paragraph 15<br> -Subparagraph (g)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121322162&amp;loc=SL121327923-165333<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(4))<br> -URI http://asc.fasb.org/extlink&amp;oid=120400017&amp;loc=d3e572229-122910<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=121370832&amp;loc=SL117420844-207641<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 944<br> -SubTopic 40<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(i)<br> -URI http://asc.fasb.org/extlink&amp;oid=121370832&amp;loc=SL117420844-207641<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetainedEarningsAccumulatedDeficit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfFinancialPositionAbstract">
<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 );">- References</a><div><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;">us-gaap_StatementOfFinancialPositionAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityAbstract">
<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 );">- References</a><div><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;">us-gaap_StockholdersEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest">
<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>Amount of stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. Alternate caption for the concept is permanent equity.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 45<br> -Paragraph 24<br> -URI http://asc.fasb.org/extlink&amp;oid=115929471&amp;loc=d3e21930-107793<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 830<br> -SubTopic 30<br> -Section 45<br> -Paragraph 17<br> -URI http://asc.fasb.org/extlink&amp;oid=118261656&amp;loc=d3e32136-110900<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -URI http://asc.fasb.org/extlink&amp;oid=120397183&amp;loc=d3e187085-122770<br><br>Reference 4: 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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of unearned shares for all classes of common stock and nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by an employee stock ownership plan (ESOP). Includes the sale of shares or the issuance treasury shares to an ESOP.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404563796184">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Advances from the Federal Home Loan Bank (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBanksAbstract', window );"><strong>Federal Home Loan Banks [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesTableTextBlock', window );">Schedule of advances from the federal home loan bank</a></td>
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    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Maturing
    year ending June 30</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="width: 88%; font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2021</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="width: 9%; font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">28,342</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2022</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,307</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2023</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12,679</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2024</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,659</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2025</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,643</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2026</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">31</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2027</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">22</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">2028-2032</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">32</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">54,715</font></td><td style="padding-bottom: 4pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of advances made and reported by Federal Home Loan Bank (FHLBank).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<td>nonnum:textBlockItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBanksAbstract">
<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 );">- References</a><div><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;">us-gaap_FederalHomeLoanBanksAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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</TEXT>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404563978472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Disclosure Text Block [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ScheduleOfDepositLiabilitiesDisclosuresTableTextBlock', window );">Schedule of deposits</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Non-interest bearing
    checking accounts</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,258</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5,534</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Checking accounts</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">15,133</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">13,126</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Savings accounts</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">45,571</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">43,228</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Money market
    demand deposits</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">9,156</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,056</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Total demand, transaction
    and passbook deposits</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">78,118</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">69,944</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Certificates
    of deposit</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">134,155</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">125,892</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total
    deposits</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">212,273</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">195,836</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock', window );">Schedule of maturities of outstanding certificates of deposit</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="width: 88%; font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2021</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="width: 9%; font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">92,489</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2022</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">30,819</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2023</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">7,795</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2024</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,098</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">2025
    and thereafter</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,954</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">134,155</font></td><td style="padding-bottom: 4pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock">
<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>ScheduleOfCertificatesOfDepositFiscalYearMaturityTableTextBlock</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>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404670589304">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Premises and Equipment (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Property, Plant and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentTextBlock', window );">Schedule of premises and equipment</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,516</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,516</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Buildings and improvements</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,493</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,492</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Furniture and equipment</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,204</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,134</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Automobiles</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">36</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">36</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">10,249</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">10,178</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Less: accumulated
    depreciation</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5,333</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5,150</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">Balance at end
    of year</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4,916</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5,028</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -URI http://asc.fasb.org/extlink&amp;oid=120391452&amp;loc=d3e13212-122682<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404563782520">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Real Estate Owned (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtDisclosureAbstract', window );"><strong>Debt Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherRealEstateRollForwardTableTextBlock', window );">Schedule of activity in real estate owned</a></td>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Balance at beginning
    of year</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">710</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">710</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Loans transferred to real estate
    owned</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">304</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">347</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Capitalized expenditures</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">44</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">98</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Valuation adjustments</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(36</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(66</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Disposals</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(379</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the change in other real estate on properties owned. Excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure by banks.</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">
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404560401816">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>Receivables [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock', window );">Schedule of loan portfolio</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">222,489</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">216,066</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,373</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,928</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,045</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,757</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Land</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,075</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer
    and other</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    on deposits</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,245</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,415</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home
    equity</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,645</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,214</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Automobile</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">67</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">91</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unsecured</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">675</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">451</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">287,375</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">282,425</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance
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    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,488</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,456</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">280,969</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock', window );">Schedule of allowance for loan losses and the recorded investment in loans by portfolio</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    individually evaluated</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    acquired with deteriorated credit quality*</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending
    loans balance</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    allowance</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    individually evaluated for impairment:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 28%; text-align: left; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,983</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">751</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,734</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">671</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">671</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Construction</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">63</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unallocated</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,488</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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</table><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
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    individually evaluated</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 28%; text-align: left; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">275,962</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,256</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,456</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">282,425</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,256</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,456</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">*
These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration
since acquisition.</font></p><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_us-gaap_ImpairedFinancingReceivablesTableTextBlock', window );">Schedule of impaired loans by class of loans</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unpaid
    Principal Balance and Recorded Investment</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance
    for Loan Losses Allocated</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average
    Recorded Investment</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
    Income Recognized</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"></p><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Cash
                                         Basis</b></font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Income</b></font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Recognized</b></font></p></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
    no related allowance recorded:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,734</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,713</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">172</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">172</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">671</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">679</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Construction</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">63</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
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    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">660</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">701</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">47</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">47</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,437</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,415</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">262</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">262</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unpaid
    Principal Balance and Recorded Investment</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    Income Recognized</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"></p><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Cash
                                         Basis</b></font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Income</b></font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Recognized</b></font></p></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
    no related allowance recorded:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,786</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,449</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">226</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">226</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">343</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">310</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
    real estate</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">683</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">403</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,463</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,505</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">259</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">259</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><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_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock', window );">Schedule of principal balance outstanding in past due loans</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><font style="font-family: Times New Roman, Times, Serif">June
    30, 2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><font style="font-family: Times New Roman, Times, Serif">June
    30, 2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Nonaccrual</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Loans
    Past Due Over 90 Days Still Accruing</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Nonaccrual</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Loans
    Past Due Over 90 Days Still Accruing</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
    to four-family</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4,458</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,135</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4,545</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,747</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">671</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">685</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">63</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">309</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">309</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">660</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">683</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">49</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commercial and industrial</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Consumer</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">95</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">9</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,260</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,135</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,232</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,796</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><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_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Schedule of principal balance outstanding in past due loans</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">30-89
    Days Past Due</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Greater
    than 90 Days Past Due</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Total
    Past Due</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Loans
    Not Past Due</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-to
    four-family</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,546</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,670</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5,216</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">217,273</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">222,489</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12,373</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12,373</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">63</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">67</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">67</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">675</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">675</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,157</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,385</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,542</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">280,833</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">287,375</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">30-89
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Greater
    than 90 Days Past Due</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    Not Past Due</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-to
    four-family</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4,021</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,479</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">7,500</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">208,566</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">216,066</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">248</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">248</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">15,680</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Consumer and other:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,214</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Automobile</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">83</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">91</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">451</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">451</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5,184</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,776</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,960</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">273,465</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">282,425</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><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_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Schedule of analysis performed, the risk category of loans by class of loansass of loans</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">June 30, 2020:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Pass</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Special
    Mention</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Substandard</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Doubtful</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
    to four-family</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">215,010</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">742</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,737</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">11,702</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">671</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Consumer and other:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">276,708</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,720</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,947</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">June 30, 2019:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Pass</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Special
    Mention</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Substandard</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Doubtful</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
    to four-family</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">206,489</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">894</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,683</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">15,243</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">685</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,757</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">852</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">309</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">746</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commercial and industrial</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">491</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Consumer and other:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Loans on deposits</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Home equity</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">137</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">24</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Automobile</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">91</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">446</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">269,768</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,777</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">10,880</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><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_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Schedule of allowance for loan losses by portfolio segment</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Beginning
    balance</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Provision
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Loans
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
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    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">685</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">49</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(65</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">671</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">200</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(16</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">184</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(2</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">336</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">69</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">405</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commercial and industrial</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(2</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Consumer and other:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Loans on deposits</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Home equity</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">14</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(3</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">11</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Auto</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(8</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Unallocated</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">200</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">200</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Totals</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,456</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">103</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(73</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,488</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Beginning
    balance</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Provision
    for loan losses</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Loans
    charged off</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Recoveries</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ending
    balance</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
    to four-family</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">795</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">41</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(190</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">39</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">685</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">225</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(25</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">200</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(2</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commercial and industrial</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Consumer and other:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Loans on deposits</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Home equity</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">13</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Unallocated</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">200</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Totals</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,576</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">11</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(190</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">59</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,456</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock', window );">Schedule of purchased credit impaired loans</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential
    real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="width: 76%; font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
    to four-family</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="width: 9%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">751</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="width: 9%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">949</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock', window );">Schedule of accretable yield, or income expected to be collected</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Balance at beginning
    of year</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">544</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">634</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Accretion
    of income</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(97</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(90</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">Balance at end
    of year</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">447</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">544</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock">
<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 tabular disclosure of the aggregate excess of a loan's cash flows expected to be collected over the investor's initial investment in the loan for loans accounted for as debt securities, with evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable.</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;">kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock">
<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 entire tabular disclosure of the undiscounted sum of all amounts, including amounts deemed principal, interest, fees, penalties, and other under the loan, owed to the investor at the reporting date.</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;">kffb_CertainLoansAcquiredinTransferAccountedForAsDebtSecuritiesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock">
<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>Tabular disclosure of major classification of loans receivable</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;">kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock">
<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>Schedule of detailed disclosures related to impaired loans</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;">kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>kffb_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock">
<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>Tabular disclosure of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953423-111524<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 13<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919249-210447<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock">
<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>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919230-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953659-111524<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of impaired financing receivables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5212-111524<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of aging analysis for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 50<br> -Paragraph 14<br> -URI http://asc.fasb.org/extlink&amp;oid=121599337&amp;loc=SL82919253-210447<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953401-111524<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 326<br> -SubTopic 20<br> -Section 55<br> -Paragraph 80<br> -URI http://asc.fasb.org/extlink&amp;oid=121647567&amp;loc=SL82922355-210448<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5111-111524<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PastDueFinancingReceivablesTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><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;">us-gaap_ReceivablesAbstract</td>
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<td><strong> Data Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivable modified as troubled debt restructuring.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 33<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953676-111524<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 34<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=SL6953682-111524<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;">us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404563758840">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Securities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_InvestmentsSecuritiesTableTextBlock', window );">Schedule of gross unrealized or unrecognized gains and losses</a></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="14" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;-</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
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    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">538</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">541</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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</table><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available-for-sale
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">U.S.
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404670533400">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Tables)<br></strong></div></th>
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<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
    the fiscal year ended</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30,</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allocated
    shares</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">104,254</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">123,241</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares
    committed to be released</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,338</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,338</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unearned
    shares</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28,936</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,607</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    ESOP shares</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">142,528</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">180,186</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt; text-indent: -0.125in; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    value of unearned shares at End of period</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">195,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">374,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><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_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock', window );">Schedule of earnings per share</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
    the fiscal year ended</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30,</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    (loss) income allocated to common shareholders, basic and diluted</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,547,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">812,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(LOSS)
    EARNINGS PER SHARE</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1.52</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.10</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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</table><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_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock', window );">Schedule of assets measured at fair value on a non-recurring basis</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-decoration: underline; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">U.S.
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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</table><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_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock', window );">Schedule of assets measured at fair value on a non-recurring basis</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><font style="text-decoration:underline">2020</font></font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; width: 52%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;-</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;-</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><font style="text-decoration:underline">2019</font></font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">593</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><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_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisValuationTechniquesTextBlock', window );">Schedule of assets measured at fair value on a non-recurring basis</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Range</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Technique(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Input(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 25%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Foreclosed
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: left; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">465</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-2.7%
    to 41.2% (20.4%)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Range</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Valuation</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Weighted</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Technique(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Input(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;Loans:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; width: 25%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">593</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">25.3%
    to -50.6% (-0.6%)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Foreclosed
    and repossessed assets:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.6%
    to 31.0% (29.0%)</font></td></tr>
</table><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_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Schedule of foregoing methods and assumptions, the carrying value and fair value</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="14" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value Measurements at</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><b>Carrying</b></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="14" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2020 Using</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Value</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    1</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    2</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    3</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
    assets</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash
    and cash equivalents</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time
    deposits in other financial institutions</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,229</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,252</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,252</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available-for-sale
    securities</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">541</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">541</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">541</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
    securities</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">598</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">611</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">611</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    held for sale</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">667</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">830</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">78,118</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">213,118</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,416</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,416</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Advances
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">800</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td colspan="5" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
    assets</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash
    and cash equivalents</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time
    deposits in other financial institutions</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,963</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,963</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">285,700</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">n/a</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">758</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">758</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">195,836</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">69,944</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">123,920</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">193,864</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
    Home Loan Bank advances</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,703</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,719</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,719</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Advances
    by borrowers for taxes and insurance</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">763</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">763</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">763</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
    interest payable</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ScheduleOfLoansOutstandingTableTextBlock', window );">Schedule of loans outstanding</a></td>
<td class="text"><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outstanding
    principal, beginning of year</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,246</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">845</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes
    in composition of related parties</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(129</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Principal
    disbursed during the year</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">538</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404558880712">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accounting Policies, by Policy (Policies)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ConsolidationPolicyTextBlock', window );">Principles of Consolidation</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.
<font style="text-decoration:underline">Principles of Consolidation</font>: The consolidated financial statements include the accounts of the Company, First Federal of
Hazard, Frankfort First and First Federal of Kentucky. All significant intercompany accounts and transactions have been eliminated
in consolidation.</font></p><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_us-gaap_UseOfEstimates', window );">Use of Estimates</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.
<font style="text-decoration:underline">Use of Estimates</font>: The consolidated financial information presented herein has been prepared in accordance with U.S. generally
accepted accounting principles (&#x201c;U.S. GAAP.&#x201d;) To prepare financial statements in conformity with U.S. GAAP, management
makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in
the financial statements and the disclosures provided, and actual results could differ. Such estimates include, but are not limited
to, the allowance for loan losses, goodwill, and deferred taxes.</font></p><span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesPolicy', window );">Securities</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.
<font style="text-decoration:underline">Securities</font>: Debt securities are classified as held to maturity or available for sale. Securities classified as held to
maturity are to be carried at cost only if the Company has the positive intent and ability to hold these securities to maturity.
Securities designated as available for sale are carried at fair value with resulting unrealized gains or losses recorded to shareholders&#x2019;
equity, net of tax.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield
method without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses
on sales are recorded on the trade date and determined using the specific identification method.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management
evaluates securities for other-than-temporary impairment (&#x201c;OTTI&#x201d;) at least on a quarterly basis, and more frequently
when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers
the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management
also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized
loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is
met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities
that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related
to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in
other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected
to be collected and the amortized cost basis.</font></p><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_us-gaap_PolicyLoansReceivablePolicy', window );">Loans</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.
<font style="text-decoration:underline">Loans</font>: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff
are reported at the principal amount outstanding, adjusted for deferred loan origination costs, net, discounts on purchased loans,
and the allowance for loan losses. Interest income is accrued on the unpaid principal balance unless the collectability of the
loan is in doubt. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income
using the level-yield method without anticipating prepayments. Interest income on one- to four-family residential loans is generally
discontinued at the time a loan is 180 days delinquent and on other loans at the time a loan is 90 days delinquent. All other
loans are moved to non-accrual status in accordance with the Company&#x2019;s policy, typically 90 days after the loan becomes
delinquent. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off
at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days
still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually
classified impaired loans.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">All
interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such
loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to
accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably
assured.</font></p><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_LoansHeldForSaleAndMortgageServicingRightsPolicyTextBlock', window );">Loans held for sale and Mortgage Servicing Rights</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.
<font style="text-decoration:underline">Loans held for sale and Mortgage Servicing Rights</font>: Loans held for sale are carried at the lower of cost (less principal
payments received) or fair value, calculated on an aggregate basis. At June 30, 2020 the Company had $667,000 in loans held for
sale, while at June 30, 2019 there were no loans held for sale.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
selling loans, the Company utilizes a program with the Federal Home Loan Bank, retaining servicing on loans sold. Mortgage servicing
rights on originated loans that have been sold are initially recorded at fair value. Capitalized servicing rights are amortized
in proportion to and over the period of estimated servicing revenues. The Company recorded amortization related to mortgage servicing
rights totaling $20,000 and $13,000 during the years ended June 30, 2020 and 2019, respectively. The carrying value of the Company&#x2019;s
mortgage servicing rights, which approximated fair value, totaled approximately $96,000 and $76,000 at June 30, 2020 and 2019,
respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company was servicing mortgage loans of approximately $12.1 million and $9.4 million that had been sold to the Federal Home Loan
Bank at June 30, 2020 and 2019, respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Servicing
rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is recognized
through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the
Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the
allowance may be recorded as an increase to income. Changes in valuation allowances are reported with other non-interest income
on the income statement. The fair values of servicing rights are subject to significant fluctuations as a result of changes in
estimated and actual prepayment speeds and default rates and losses.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Servicing
fee income which is reported on the income statement as other non-interest income is recorded for fees earned for servicing loans.
The fees are based on a contractual percentage of the outstanding principal and are recorded as income when earned. The amortization
of mortgage servicing rights is netted against loan servicing fee income. Servicing fees totaled $7,000 and $15,000 for the fiscal
years ended June 30, 2020 and 2019, respectively. Late fees and ancillary fees related to loan servicing are not material.</font></p><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_us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy', window );">Allowance for Loan Losses</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.
<font style="text-decoration:underline">Allowance for Loan Losses</font>: The allowance for loan losses is a valuation allowance for probable incurred credit losses.
Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent
recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loss experience,
the nature and volume of the portfolio, trends in the level of delinquent and problem loans, adverse situations that may affect
the borrower&#x2019;s ability to repay, the estimated value of any underlying collateral and current and anticipated economic conditions
in the primary lending area. Allocations of the allowance may be made for specific loans, but the entire allowance is available
for any loan that, in management&#x2019;s judgment, should be charged off.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
allowance consists of specific and general components. The specific component relates to loans that are individually classified
as impaired or loans otherwise classified as substandard or doubtful. The general component covers all loans and is based on historical
loss experience adjusted for current factors. In consultation with regulators, the Company considers a time frame of two years
when estimating the appropriate level of allowance for loan losses. This period may be shortened or extended based on anticipated
trends in the banks or in the banks&#x2019; markets.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company
over the most recent eight quarters. This actual loss experience is supplemented with other economic factors based on the risks
present for each portfolio segment.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">These
economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and
trends in charge-offs and recoveries; trends in volume and terms of loans; changes in lending policies, procedures and practices;
experience, ability and depth of lending management and other relevant staff; economic trends and conditions; industry conditions;
and effects of changes in credit concentrations. Our portfolio segments include residential real estate, nonresidential real estate
and land, loans on deposits and consumer and other loans. Risk factors associated with our portfolio segments are as follows:</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Residential
Real Estate</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
primary lending activity is the origination of mortgage loans, which enable a borrower to purchase or refinance existing homes
in the Banks&#x2019; respective market areas. We further classify our residential real estate loans as one- to four-family (owner-occupied
vs nonowner-occupied), multi-family or construction. We believe that our first mortgage position on loans secured by residential
real estate presents lower risk than our other loans, with the exception of loans secured by deposits.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
offer a mix of adjustable-rate and fixed-rate mortgage loans with terms up to 30 years for owner-occupied properties. For these
properties a borrower may be able to borrow up to 95% of the value with private mortgage insurance. Alternatively, the borrower
may be able to borrow up to 90% of the value through other programs offered by the bank.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
offer loans on one- to four-family rental properties at a maximum of 80% loan-to-value (&#x201c;LTV&#x201d;) ratio and we generally
charge a slightly higher interest rate on such loans.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
also originate loans to individuals to finance the construction of residential dwellings for personal use or for use as rental
property. We occasionally lend to builders for construction of speculative or custom residential properties for resale, but on
a limited basis. Construction loans are generally less than one year in length, do not exceed 80% of the appraised value, and
provide for the payment of interest only during the construction phase. Funds are disbursed as progress is made toward completion
of the construction.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Multi-family
and Nonresidential Loans</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
offer mortgage loans secured by residential multi-family (five or more units), and nonresidential real estate. Nonresidential
real estate loans are comprised generally of commercial office buildings, churches and properties used for other purposes. Generally,
these loans are originated for 25 years or less and do not exceed 80% of the appraised value. Loans secured by multi-family and
commercial real estate generally have larger balances and involve a greater degree of risk than one- to four-family residential
mortgage loans. These loans depend on the borrower&#x2019;s creditworthiness and the feasibility and cash flow potential of the
project. Payments on loans secured by income properties often depend on successful operation and management of the properties.
As a result, repayment on such loans may be subject to a greater extent to adverse conditions in the real estate market or economy
than owner-occupied residential loans.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Consumer
lending</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
consumer loans include home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans.
Home equity loans are generally second mortgage loans subordinate only to first mortgages also held by the bank and do not exceed
80% of the estimated value of the property. We do offer home equity loans up to 90% of the estimated value to qualified borrowers
and these loans carry a premium interest rate. Loans secured by savings are originated up to 90% of the depositor&#x2019;s savings
account balance and bear interest at a rate higher than the rate paid on the deposit account. Because the deposit account must
be pledged as collateral to secure the loan, the inherent risk of this type of loan is minimal. Loans secured by automobiles are
made directly to consumers (there are no relationships with dealers) and are based on the value of the vehicle and the borrower&#x2019;s
creditworthiness. Vehicle loans present a higher level of risk because of the natural decline in the value of the property as
well as its mobility. Unsecured loans are based entirely on the borrower&#x2019;s creditworthiness and present the highest level
of risk to the bank.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Banks choose the most appropriate method for accounting for impaired loans. For secured loans, which make up the vast majority
of the loans in the banks&#x2019; portfolio, this method involves determining the fair value of the collateral, reduced by estimated
selling costs. Where appropriate, the Banks would account for impaired loans by determining the present value of expected future
cash flows discounted at the loan&#x2019;s effective interest rate.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A
loan is considered impaired when, based on current information and events, it is probable that a creditor will be unable to collect
all amounts due according to the contractual terms of the loan agreement. Although most of our loans are secured by collateral,
we rely heavily on the capacity of our borrowers to generate sufficient cash flow to service their debt. As a result, our loans
do not become collateral-dependent until there is deterioration in the borrower&#x2019;s cash flow and financial condition, which
makes it necessary for us to look to the collateral for our sole source of repayment. Collateral-dependent loans which are more
than ninety days delinquent are considered to constitute more than a minimum delay in repayment and are evaluated for impairment
under the policy at that time.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
utilize updated independent appraisals to determine fair value for collateral-dependent loans, adjusted for estimated selling
costs, in determining our specific reserve. In some situations management does not secure an updated independent appraisal. These
situations may involve small loan amounts or loans that, in management&#x2019;s opinion, have an abnormally low loan-to-value ratio.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
respect to the Banks&#x2019; investment in troubled debt restructurings, multi-family and nonresidential loans, and the evaluation
of impairment thereof, such loans are nonhomogenous and, as such, may be deemed to be collateral-dependent when they become more
than 90 days delinquent. We obtain updated independent appraisals in these situations or when we suspect that the previous appraisal
may no longer be reflective of the property&#x2019;s current fair value. This process varies from loan to loan, borrower to borrower,
and also varies based on the nature of the collateral.</font></p><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_FederalHomeLoanBankStockPolicyTextBlock', window );">Federal Home Loan Bank Stock Policy Text Block</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.
<font style="text-decoration:underline">Federal Home Loan Bank Stock</font>: The banks are members of the FHLB system. Members are required to own a certain amount of
stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost,
classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash
and stock dividends are reported as interest income.</font></p><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_us-gaap_RealEstatePolicyTextBlock', window );">Real Estate Owned</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.
<font style="text-decoration:underline">Real Estate Owned</font>: Real estate acquired through or instead of foreclosure is initially recorded at fair value less estimated
selling expenses at the date of acquisition, establishing a new cost basis. These assets are subsequently accounted for at lower
of cost or fair value less estimated costs to sell. If fair value declines subsequently, the carrying value is adjusted through
a valuation allowance and the amount is recorded through expense. Costs relating to holding real estate owned, net of rental income,
are charged against earnings as incurred.</font></p><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_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock', window );">Premises and Equipment</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.
<font style="text-decoration:underline">Premises and Equipment</font>: Land is carried at cost. Premises and equipment are carried at cost less accumulated depreciation.
The cost of premises and equipment includes expenditures which extend the useful lives of existing assets. Maintenance, repairs
and minor renewals are expensed as incurred. For financial reporting, depreciation is provided on the straight-line method over
the useful lives of the assets, estimated to be forty years for buildings, ten to forty years for building improvements, and five
to ten years for furniture and equipment. When management initiates a plan to dispose of assets, those assets are transferred
to fixed assets held for sale and evaluated for potential impairment. At June 30, 2020 and 2019, the Company has fixed assets
held for sale of $161,000 related to a branch office no longer in use and included in other assets on the balance sheet. No impairment
losses have been taken on the property.</font></p><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_us-gaap_IncomeTaxPolicyTextBlock', window );">Income Taxes</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.
<font style="text-decoration:underline">Income Taxes</font>: Income tax expense is the total of the current year income tax due or refundable and the change in deferred
tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences
between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. Deferred tax assets are recorded
only to the extent that the amount of net deductible temporary differences or carryforward attributes may be utilized against
current period earnings, carried back against prior years&#x2019; earnings, offset against taxable temporary differences reversing
in future periods, or utilized to the extent of management&#x2019;s estimate of future taxable income. A valuation allowance, if
needed, reduces deferred tax assets to the amount expected to be realized. Deferred tax liabilities are provided on the total
amount of net temporary differences taxable in the future.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A
tax provision is recognized as a benefit only if it is &#x201c;more likely than not&#x201d; that the tax position would be sustained
in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit
that is greater than 50% likely of being realized on examination. For tax positions not meeting the &#x201c;more likely than not&#x201d;
test, no tax benefit is recorded. The Company recognizes interest and/or penalties related to income tax matters as income tax
expense.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kentucky
First Federal Bancorp and Frankfort First Bancorp, Inc., each are subject to state income taxes in the Commonwealth of Kentucky.
Neither of the Banks are subject to state income tax in the Commonwealth until January 1, 2021, according to legislation enacted
in the spring of 2019. On March 26, 2019, Kentucky enacted H.B. 354 repealing the bank franchise tax. On April 9, 2019, Kentucky
enacted related legislation, H.B. 458, which made technical corrections to H.B. 354. Beginning on or after January 1, 2021, the
banks will be subject to the corporation income tax and limited liability entity tax (&#x201c;LLET&#x201d;) instead of the savings
and loan tax. Because the banks operate on a fiscal year, they must file a short-year corporation income tax and LLET return and
pay any tax due for the period beginning January 1, 2021 through the end of the banks&#x2019; normal fiscal year.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
a result of this legislation, in the fiscal year ended June 30, 2019, the Company recognized an income tax benefit of $63,000
to establish its deferred taxes for Kentucky and to record the net operating losses previously generated by the Company&#x2019;s
mid-tier holding companies, which are expected to be utilized on a combined tax return. With few exceptions, the Company is no
longer subject to U.S. federal, state and local tax examinations by tax authorities for years before 2017.</font></p><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_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock', window );">Retirement and Employee Benefit Plans</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.
<font style="text-decoration:underline">Retirement and Employee Benefit Plans</font>: The Banks participate in the Pentegra Defined Benefit Plan for Financial Institutions
(&#x201c;The Pentegra DB Plan&#x201d;), which is a tax-qualified, multi-employer defined benefit pension fund covering all employees
who qualify as to length of service. The Pentegra DB Plan&#x2019;s Employer Identification Number is 13-5645888 and the Plan Number
is 333. The Pentegra DB Plan operates as a multi-employer plan for accounting purposes and as a multiple-employer plan under the
Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. The Pentegra DB Plan is a single plan under Internal
Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities. Accordingly, under the Pentegra
DB Plan contributions made by a participating employer may be used to provide benefits to participants of other participating
employers. Total contributions made to the Pentegra DB Plan, as reported on Form 5500, equal $138.3 million and $164.6 million
for the plan years ended June 30, 2019 and 2018, respectively. Our contributions for fiscal 2020 and 2019 were not more than 5%
of the total contributions made to the Pentegra DB Plan. Pension expense is the net contributions, which are based upon covered
employees&#x2019; ages and salaries and are dependent upon the ultimate prescribed benefits of the participants and the funded
status of the plan. The Company recognized expense related to the plans totaling approximately $935,000 and $1.2 million for the
fiscal years ended June 30, 2020 and 2019, respectively. There are no collective bargaining agreements in place that require contributions
to the Pentegra DB Plan. As of July 1, 2019, the most recent period for which information is available, the Banks had an adjusted
funding target attainment percentage (&#x201c;AFTAP&#x201d;) of 86.98%. There are no funding improvement plans or surcharges to
participants. Effective July 1, 2016, sponsorship of the plan was transferred to the Company, benefits ratios were standardized
and prospectively each bank will contribute to the plan based generally on its pro rata share of future benefits. Effective April
1, 2019, the Company elected to freeze benefits to its employee participants.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company also maintains a nonqualified deferred compensation plan for the benefit of certain directors, which is closed to any
future deferrals. The expense incurred for the deferred compensation was $2,000 and $2,000 for the fiscal years ended June 30,
2020 and 2019, respectively, while the liabilities totaled $51,000 and $49,000 at June 30, 2020 and 2019, respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company maintains an Employee Stock Ownership Plan (&#x201c;ESOP&#x201d;) which provides retirement benefits for substantially all
full-time employees who have completed one year of service and have attained the age of 21. Annual contributions are made to the
ESOP equal to the ESOP&#x2019;s debt service less dividends received by the ESOP on unallocated shares. Shares in the ESOP were
acquired using funds provided by a loan from the Company and, accordingly, the cost of those shares is shown as a reduction of
stockholders&#x2019; equity. Shares are released to participants proportionately as the loan is repaid. Dividends on allocated
shares are recorded as dividends and charged to retained earnings. Dividends on unallocated shares are used to repay loan principal
and accrued interest. Compensation expense is recorded equal to the fair value of shares committed to be released during a given
fiscal year. Allocation of shares to the ESOP participants is contingent upon the repayment of a loan to Kentucky First Federal
Bancorp totaling $528,000 and $765,000 at June 30, 2020 and 2019, respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company recorded expense for the ESOP of approximately $135,000 and $144,000 for the years ended June 30, 2020 and 2019, respectively.
Shares may be surrendered from the plan as employees leave employment. Total shares surrendered from the plan totaled 194,445
and 156,787 at June 30, 2020 and 2019, respectively. The amounts contributed to the ESOP were $280,000 for each of the years 2020
and 2019.</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
    the fiscal year ended</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30,</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allocated
    shares</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">104,254</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">123,241</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares
    committed to be released</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,338</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,338</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unearned
    shares</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28,936</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,607</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    ESOP shares</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">142,528</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">180,186</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt; text-indent: -0.125in; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    value of unearned shares at End of period</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">195,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">374,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company maintains a 401(k) plan for the benefit of all full-time employees. No employer contributions have been made to the 401(k)
plan.</font></p><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_us-gaap_EarningsPerSharePolicyTextBlock', window );">Earnings Per Share</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.
<font style="text-decoration:underline">Earnings Per Share</font>: Diluted earnings per share is computed taking into consideration common shares outstanding and dilutive
potential common shares to be issued or released under the Company&#x2019;s share-based compensation plans. There is no adjustment
to net earnings for the calculation of diluted earnings per share. The factors used in the basic and diluted earnings per share
computations for the fiscal years ended June 30 follow:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
    the fiscal year ended</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30,</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    (loss) income allocated to common shareholders, basic and diluted</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,547,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">812,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(LOSS)
    EARNINGS PER SHARE</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1.52</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.10</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Weighted
    average common shares outstanding, basic and diluted</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,251,860</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,335,612</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basic
earnings per share is computed based upon the weighted-average shares outstanding during the year (which excludes treasury shares)
less average shares in the ESOP that are unallocated and not committed to be released. There were no options outstanding for fiscal
years 2020 and 2019.</font></p><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_us-gaap_FairValueMeasurementPolicyPolicyTextBlock', window );">Fair Value of Assets and Liabilities</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.
<font style="text-decoration:underline">Fair Value of Assets and Liabilities</font>: Fair value is the exchange price that would be received for an asset or paid to transfer
a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between
market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level
1</b> - Quoted prices in active markets for identical assets or liabilities that the entity has the ability to access as of the
measurement date.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level
2</b> - Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in
markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially
the full term of the assets or liabilities.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level
3 </b>&#x2013; Significant unobservable inputs that reflect a company&#x2019;s own assumptions about the assumptions that market
participants would use in pricing an asset or liability.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Following
is a description of the valuation methodologies used for assets measured at fair value on a recurring basis and recognized in
the accompanying balance sheet, as well as the general classification of such instruments pursuant to the valuation hierarchy.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Securities</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Where
quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If
quoted market prices are not available, then fair values are estimated by using matrix pricing, which is a mathematical technique
widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities
but rather by relying on the securities&#x2019; relationship to other benchmark quoted securities (Level 2 inputs).</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table presents the fair value measurements of assets and liabilities measured at fair value on a recurring basis at
June 30, 2020 and 2019. The securities represented are only those classified as available-for sale.</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="10" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value Measurements Using</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quotes
    Prices</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    Active</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Markets
    for</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Identical</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Observable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    1)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    2)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    3)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">U.S.
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">There
were no transfers between levels 1 and 2.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Following
is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and
recognized in the accompanying consolidated balance sheet, as well as the general classification of such assets pursuant to the
valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported
fair value is described below.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Impaired
Loans</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent independent
real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable
sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences
between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level
3 classification of the inputs for determining fair value and totaled $0 and $13,000 for the years ended June 30, 2020 and 2019,
respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Independent
appraisals for collateral-dependent loans are updated periodically (usually every 12-24 months depending on the size of the loan
and the loan-to-value ratio).</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Real
Estate Owned</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real
estate properties acquired through or instead of loan foreclosure are initially recorded as real estate owned (&#x201c;REO&#x201d;)
at fair value, less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at
lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which
are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches
including comparable sales and the income approach with data from comparable properties. Adjustments are routinely made in the
appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available.
Such adjustments were $36,000 and $66,000 for the fiscal years 2020 and 2019, respectively, and resulted in a Level 3 classification
of the inputs for determining fair value.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table presents the fair value measurements of assets and liabilities measured at fair value on a nonrecurring basis
at June 30, 2020 and 2019.</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="10" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value Measurements Using</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    Active</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Markets
    for</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Identical</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Observable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><font style="text-decoration:underline">2020</font></font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; width: 52%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><font style="text-decoration:underline">2019</font></font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at
fair value on a non-recurring basis at June 30, 2020 and 2019:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Range</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Valuation</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Weighted</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Technique(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Input(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 25%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Foreclosed
    and repossessed assets:</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: left; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">465</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-2.7%
    to 41.2% (20.4%)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Range</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Valuation</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Weighted</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Technique(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Input(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;Loans:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; width: 25%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">593</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">25.3%
    to -50.6% (-0.6%)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Foreclosed
    and repossessed assets:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.6%
    to 31.0% (29.0%)</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following disclosure of the fair value of financial instruments, both assets and liabilities, whether or not recognized in the
consolidated balance sheet, is based on the assumptions presented for each particular item and for which it is practicable to
estimate that value. For financial instruments where quoted market prices are not available, fair values are based on estimates
using present value and other valuation methods.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
methods used are greatly affected by the assumptions applied, including the discount rate and estimates of future cash flows.
Therefore, the fair values presented may not represent amounts that could be realized in an exchange for certain financial instruments.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company&#x2019;s financial instruments at June 30, 2020 and 2019 are as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="14" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value Measurements at</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><b>Carrying</b></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="14" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2020 Using</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Value</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    1</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    2</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    3</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
    assets</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash
    and cash equivalents</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time
    deposits in other financial institutions</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,229</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,252</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">n/a</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">830</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">830</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">213,118</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,416</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,416</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">800</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">800</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td colspan="5" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="14" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time
    deposits in other financial institutions</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,963</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,963</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available-for-sale
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,045</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,045</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,045</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
    securities</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    receivable - net</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">280,969</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">285,700</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">285,700</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
    Home Loan Bank stock</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">69,944</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">123,920</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">193,864</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,719</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,719</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Advances
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">763</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">763</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
    interest payable</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><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_us-gaap_CashAndCashEquivalentsPolicyTextBlock', window );">Cash and Cash Equivalents</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.
<font style="text-decoration:underline">Cash and Cash Equivalents</font>: For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks
and interest-bearing deposits in other financial institutions with original maturities of less than ninety days.</font></p><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_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock', window );">Goodwill</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">15.
<font style="text-decoration:underline">Goodwill</font>: Goodwill of $14.5 million was originally recorded in March 2005 when the Company, as part of its initial public
offering, purchased Frankfort First Bancorp, Inc., with a portion of the stock and cash proceeds from the offering. Goodwill and
intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized,
but tested for impairment at least annually. The Company has selected March 31 as the date to perform its annual impairment test
with more frequent monitoring if circumstances warrant. Intangible assets with definite useful lives are amortized over their
estimated useful lives to their estimated residual values. Goodwill is the only intangible asset with an indefinite life on our
balance sheet. The Company adopted ASU No. 2017-04, <i>Intangibles-Goodwill and Other (Topic 350) Simplifying the Test for Goodwill
Impairment, </i>effective April 1, 2020.</font></p><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_CashSurrenderValueOfLifeInsurancePolicyTextBlock', window );">Cash Surrender Value of Life Insurance</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">16.
<font style="text-decoration:underline">Cash Surrender Value of Life Insurance</font>: First Federal of Kentucky has purchased life insurance policies on certain key
executives. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance
sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.</font></p><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_TreasuryStockPolicyTextBlock', window );">Treasury Stock</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">17.
<font style="text-decoration:underline">Treasury Stock</font>: Treasury stock is stated at cost. Cost is determined by the first-in, first-out method.</font></p><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_RelatedPartyTransactionsPolicyTextBlock', window );">Related Party Transactions</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">18.
<font style="text-decoration:underline">Related Party Transactions</font>: Loans outstanding to executive officers, directors, significant shareholders and their affiliates
(related parties) at June 30, 2020 and 2019 are summarized as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outstanding
    principal, beginning of year</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,246</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">845</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes
    in composition of related parties</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(129</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Principal
    disbursed during the year</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">538</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Principal
    repaid and refinanced during the year</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(70</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(137</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outstanding
    principal, end of year</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,047</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,246</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits
from related parties held by the Company at June 30, 2020 and 2019 totaled $3.3 million and $2.2 million, respectively.</font></p><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_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock', window );">Comprehensive Income and Accumulated Comprehensive Income</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">19.
<font style="text-decoration:underline">Comprehensive Income and Accumulated Comprehensive Income</font>: Comprehensive income consists of net income and other comprehensive
income. Other comprehensive income includes unrealized gains and losses on securities available for sale, net of tax, for the
period which are also recognized as separate components of equity. Accumulated comprehensive income consists solely of unrealized
gain or loss on available-for-sale securities at the end of the period.</font></p><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_us-gaap_RevenueRecognitionPolicyTextBlock', window );">Revenue Recognition</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.
<font style="text-decoration:underline">Revenue Recognition</font>: The Company&#x2019;s revenue-generating activities accounted for under Topic 606 includes primarily
service charges and fees on deposits and other service charges and fees and comprise the majority of other non-interest income
on the statement of income. Service charges and fees on deposits are primarily overdraft fees, dormant account fees, and service
charges on checking and savings accounts. Overdraft fees are recognized at the time an account is overdrawn. Dormant account fees
are recognized when an account is inactive for at least 365 days. Service charges on checking and savings accounts are primarily
account maintenance services performed and recognized in the same calendar month. Other deposit-based service charges and fees
include transaction-based services completed at the request of the customer and recognized at the time the transaction is completed.
These transaction-based services include ATM usage and stop payment services. All service charges and fees on deposits are withdrawn
from the customer&#x2019;s account at the time the service is provided.</font></p><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_us-gaap_CommitmentsAndContingenciesPolicyTextBlock', window );">Loss Contingencies</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">21.
<font style="text-decoration:underline">Loss Contingencies</font>: Loss contingencies, including claims and legal actions arising in the ordinary course of business,
are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Management does not believe there now are such matters that will have a material effect on the financial statements.</font></p><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_us-gaap_LoanCommitmentsPolicy', window );">Loan Commitments and Related Financial Instruments</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">22.
<font style="text-decoration:underline">Loan Commitments and Related Financial Instruments</font>: Financial instruments include off-balance sheet credit instruments,
such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for
these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments
are recorded when they are funded.</font></p><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_DividendRestrictionPolicyTextBlock', window );">Dividend Restriction</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.
<font style="text-decoration:underline">Dividend Restriction</font>: Banking regulations require maintaining certain capital levels and may limit the dividends paid by
the banks to the holding company or by the holding company to shareholders.</font></p><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_OperatingSegementPolicyTextBlock', window );">Operating Segments</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">24.
<font style="text-decoration:underline">Operating Segments</font>: While the chief decision-makers monitor the revenue streams of the various products and services, operations
are managed and financial performance is evaluated on a Company-wide basis. Operating segments are aggregated into one as operating
results for all segments are similar. Accordingly, all of the financial service operations are considered by management to be
aggregated in one reportable operating segment.</font></p><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_kffb_ReclassificationsPolicyTextBlock', window );">Reclassifications</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">25.
<font style="text-decoration:underline">Reclassifications</font>: Some items in the prior year financial statements were reclassified to conform to the current presentation.
Reclassifications had no effect on prior year net income or shareholders&#x2019; equity.</font></p><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_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">New Accounting Standards</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">26.
<font style="text-decoration:underline">New Accounting Standards:</font></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>FASB
ASC 326 -</i></b> In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments &#x2013; Credit Losses (Topic 326): Measurement
of Credit Losses on Financial Instruments.&#xa0; The final standard will change estimates for credit losses related to financial
assets measured at amortized cost such as loans, held-to-maturity debt securities, and certain other contracts. For estimating
credit losses, the FASB is replacing the incurred loss model with an expected loss model, which is referred to as the current
expected credit loss (CECL) model. The Company will now use forward-looking information to enhance its credit loss estimates.
The amendment requires enhanced disclosures to aid investors and other users of financial statements to better understand significant
estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of our portfolio.
The largest impact to the Company will be on its allowance for loan and lease losses, although the ASU also amends the accounting
for credit losses on available-for-sale debt securities, held-to-maturity securities, and purchased financial assets with credit
deterioration. The standard is effective for public companies for annual periods and interim periods within those annual periods
beginning after December 15, 2019. However, the FASB has delayed the implementation of the ASU for smaller reporting companies
until years beginning after December 15, 2022, or in the Company&#x2019;s case the fiscal year beginning July 1, 2023.&#xa0; ASU
2016-13 will be applied through a cumulative effect adjustment to retained earnings (modified-retrospective approach), except
for debt securities for which an other-than-temporary impairment had been recognized before the effective date. A prospective
transition approach is required for these debt securities. We have formed a functional committee that is assessing our data and
system needs and are evaluating the impact of adopting the new guidance. We expect to recognize a one-time cumulative effect adjustment
to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but
cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated
financial statements. However, the Company does expect ASU 2016-13 to add complexity and costs to its current credit loss evaluation
process.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>FASB
ASC 842 &#x2013;</i></b> In March 2017, the FASB issued ASU No. 2016-02, <i>Leases (Topic 842). </i>This guidance changes lease
accounting by introducing the core principle that a lessee should recognize the assets and liabilities that arise from operating
leases under the premise that all leases create an asset and a liability for the lessee in accordance with FASB Concepts Statement
No. 6, <i>Elements of Financial </i>Statements. The Company adopted this ASU effective July 1, 2019, with no recordation of right-to-use
lease assets or operating lease liabilities, because the level of operating leases was determined to be immaterial.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>FASB
ASC 350 &#x2013;</i></b> In January 2017, the FASB issued ASU No. 2017-04, <i>Intangibles-Goodwill and Other (Topic 350) Simplifying
the Test for Goodwill Impairment. </i>This guidance modifies the concept of impairment from the condition that exists when the
carrying amount of goodwill exceeds its implied fair value to the condition that exists when the carrying amount of a reporting
unit exceeds its fair value. For public business entities, the amendments in this update are effective for fiscal years, and the
interim periods within those fiscal years, beginning after December 15, 2019. The Company adopted ASU No. 2017-04 effective April
1, 2020, and recorded a goodwill impairment charge, which had no tax impact, of $13.6 million, or $1.64 per common share, during
the quarter ended June 30, 2020, which represented 93.5% of goodwill previously reported.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>FASB
ASC 820 &#x2013;</i></b> In August 2018, the FASB issued ASU No. 2018-13, <i>Fair Value Measurement (Topic 820) Disclosure Framework-Changes
to the Disclosure Requirements for Fair Value Measurement. </i>This guidance reduces the level of detail surrounding the processes
used by the Company in determining the fair value of some of its assets. For public business entities, the amendments in this
update are effective for fiscal years, and the interim periods within those fiscal years, beginning after December 15, 2019, or
July 1, 2020, with respect to the Company.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>FASB
ASC 740&#x2013;</i></b> In December 2019, the FASB issued ASU 2019-12, <i>Income Taxes (Topic 740), Simplifying the Accounting
for Income Taxes. </i>The amendments in this ASU removes certain exceptions for recognizing deferred taxes for investments, performing
intraperiod allocation and calculating income taxes during interim periods. The ASU also adds guidance to reduce complexity in
certain areas, including recognizing deferred taxes for tax goodwill and allocating taxes to members of a consolidated group.
For public business entities, the amendments in this ASU are effective for fiscal years, and interim periods within those fiscal
years, beginning after December 15, 2020, or July 1, 2021, with respect to the Company. Early adoption is permitted. We do not
anticipate a significant impact to our consolidated financial statements.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have
a material impact on the Company&#x2019;s financial position, results of operations or cash flows.</font></p><span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for commitments and contingencies, which may include policies for recognizing and measuring loss and gain contingencies.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for an entity's employee compensation and benefit plans, including, but not limited to, postemployment and postretirement benefit plans, defined benefit pension plans, defined contribution plans, non-qualified and supplemental benefit plans, deferred compensation, share-based compensation, life insurance, severance, health care, unemployment and other benefit plans.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for comprehensive income.</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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting.  The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=109239629&amp;loc=d3e5614-111684<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3630-109257<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for fair value measurements of financial and non-financial assets, liabilities and instruments classified in shareholders' equity. Disclosures include, but are not limited to, how an entity that manages a group of financial assets and liabilities on the basis of its net exposure measures the fair value of those assets and liabilities.</p></div>
<a href="javascript:void(0);" onclick="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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for goodwill and intangible assets. This accounting policy also may address how an entity assesses and measures impairment of goodwill and intangible assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=121556970&amp;loc=d3e13816-109267<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=66006027&amp;loc=d3e16265-109275<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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -URI http://asc.fasb.org/extlink&amp;oid=120406818&amp;loc=d3e32247-109318<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 20<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32847-109319<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 954<br> -SubTopic 740<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=6491622&amp;loc=d3e9504-115650<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 19<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32840-109319<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116657188&amp;loc=SL116659661-227067<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32639-109319<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 28<br> -URI http://asc.fasb.org/extlink&amp;oid=120406818&amp;loc=d3e32280-109318<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 17<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=84230637&amp;loc=d3e32809-109319<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for loan commitments accounted for as derivatives, including the methods and assumptions used to estimate fair value and any associated hedging strategies.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116879480&amp;loc=d3e417888-122833<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 5.DD)<br> -URI http://asc.fasb.org/extlink&amp;oid=116879480&amp;loc=d3e417888-122833<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for estimating the allowance for losses on loans and lease receivables. The disclosure may include (a) how the entity determines each element of the allowance, (b) which loans are evaluated individually and which loans are evaluated as a group, (c) how the entity determines both the allocated and unallocated portions of the allowance, (d) how the entity determines the loss factors applied to graded loans in order to develop a general allowance, and (e) what self-correcting mechanism the entity uses to reduce differences between estimated and actual losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -URI http://asc.fasb.org/extlink&amp;oid=84158767&amp;loc=d3e18780-107790<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -URI http://asc.fasb.org/extlink&amp;oid=121611835&amp;loc=d3e5144-111524<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for investment classified as marketable security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 320<br> -Section 50<br> -Paragraph 5<br> -URI http://asc.fasb.org/extlink&amp;oid=120252992&amp;loc=d3e62652-112803<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for policy loans receivable, including the basis for determining the amount reported for loans made to policyholders against and secured by future policy benefits. May also disclose the range of interest rates charged to policyholders on such loans.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for long-lived, physical asset used in normal conduct of business and not intended for resale. Includes, but is not limited to, work of art, historical treasure, and similar asset classified as collections.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for entities that primarily develop and then sell real property at retail or otherwise.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for revenue. Includes revenue from contract with customer and from other sources.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404568773112">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Condensed Financial Statements of Kentucky First Federal Bancorp<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>Condensed Financial Information Disclosure [Abstract]</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock', window );">CONDENSED FINANCIAL STATEMENTS OF KENTUCKY FIRST FEDERAL BANCORP</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-family: Times New Roman, Times, Serif"><b>NOTE
L - CONDENSED FINANCIAL STATEMENTS OF KENTUCKY FIRST FEDERAL BANCORP</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">The
following condensed financial statements summarize the financial position of Kentucky First Federal Bancorp as of June 30, 2020
and 2019, and the results of its operations and its cash flows for the fiscal years ended June 30, 2020 and 2019.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>KENTUCKY
FIRST FEDERAL BANCORP</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>BALANCE
SHEETS</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><font style="font-family: Times New Roman, Times, Serif">June
30, 2020 and 2019</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><font style="font-family: Times New Roman, Times, Serif">(In
thousands)</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
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    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">ASSETS</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; width: 76%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Interest-bearing
    deposits in First Federal of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,282</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,168</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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    <td style="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Interest-bearing
    deposits in First Federal of Kentucky</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">167</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,057</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Other interest-bearing
    deposits</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">34</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">30</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Investment in
    First Federal of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">18,314</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">18,366</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Investment in
    Frankfort First</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">31,257</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">44,740</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Prepaid
    expenses and other assets</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">883</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">939</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total
    assets</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">51,937</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">66,300</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">LIABILITIES AND SHAREHOLDERS&#x2019;
    EQUITY</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: normal; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Accounts
    payable and other liabilities</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">26</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">22</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total liabilities</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">26</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">22</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Shareholders&#x2019;
    equity</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">51,911</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">66,278</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total
    liabilities and shareholders&#x2019; equity</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">51,937</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">66,300</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>KENTUCKY
FIRST FEDERAL BANCORP</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>STATEMENTS
OF OPERATIONS AND COMPREHENSIVE (LOSS) INCOME</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Years
ended June 30, 2020 and 2019</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: center"><font style="font-family: Times New Roman, Times, Serif">(Dollar
amounts in thousands)</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">Income</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Interest
    income</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">42</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">54</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Dividends
    from First Federal of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">607</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">740</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Equity
    in undistributed (excess distributed) earnings of First Federal of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(47</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(224</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Dividends
    from Frankfort First</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">576</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,499</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Equity
    in undistributed (excess distributed) earnings of Frankfort First</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(13,459</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(1,981</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">Total
    income</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(12,281</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,815</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">Non-interest
    expenses</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">325</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">382</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">(Loss)
    earnings before income taxes</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(12,606</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">941</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">Federal
    income tax expense (benefit)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(59</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(106</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">Net
    (loss) income</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(12,547</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">812</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">Other
    comprehensive (loss) income, net of tax-related effects:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Unrealized
    holding gains (losses) on securities designated as available for sale during the year, net of taxes (benefits) of $(1) and
    $1 in 2020 and 2019, respectively</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(2</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">Comprehensive
    (loss) income</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(12,549</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">816</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>KENTUCKY
FIRST FEDERAL BANCORP</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>STATEMENTS
OF CASH FLOWS</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif">For
Years ended June 30, 2020 and 2019</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: center"><font style="font-family: Times New Roman, Times, Serif">(Dollar
amounts in thousands)</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">Cash flows from operating activities:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Net
    (loss) earnings for the year</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(12,547</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">812</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Adjustments
    to reconcile net earnings to net cash provided by operating activities:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">Excess
    (deficit) distributions over earnings (undistributed earnings) from consolidated subsidiaries</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">13,509</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,205</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Noncash
    compensation expense</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">112</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,588</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Depreciation</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">11</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Increase
    (decrease) in cash due to changes in:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">Prepaid
    expenses and other assets</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">68</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(206</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 0.35in"><font style="font-family: Times New Roman, Times, Serif">Other
    liabilities</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(10</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 34.2pt"><font style="font-family: Times New Roman, Times, Serif">Net
    cash provided by operating activities</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,158</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,970</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; text-indent: -0.1in; padding-left: 0.1in"><font style="font-family: Times New Roman, Times, Serif">Cash
    flows from investing activities:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; text-indent: -0.1in; padding-left: 16.2pt"><font style="font-family: Times New Roman, Times, Serif">Additions
    to premises and equipment, net</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404558792872">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity and Regulatory Capital<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.9pt"><font style="font-family: Times New Roman, Times, Serif"><b>NOTE
K &#x2013; STOCKHOLDERS&#x2019; EQUITY AND REGULATORY CAPITAL </b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>Qualified
Thrift Lender &#x2013; </b>Federal regulations require the Banks comply with the Qualified Thrift Lender (&#x201c;QTL&#x201d;) test,
which requires that 65% of assets be maintained in housing-related finance and other specified assets. If the QTL test is not
met, limits are placed on growth, branching, new investment, FHLB advances, and dividends or the institutions must convert to
a commercial bank charter. Management believes that the QTL test has been met.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>Dividend
Restrictions &#x2013; </b>Dividends from the Banks are the primary source of funds for the Company. Banking regulations limit the
amount of dividends that may be paid to the Company by the Banks without prior approval of the Office of the Controller of the
Currency (the &#x201c;OCC.&#x201d;) Under these regulations the amount of dividends that may be paid in any calendar year is limited
to the current year&#x2019;s net profits, combined with the retained net profits of the preceding two years. At June 30, 2020,
the Banks could, without prior approval, declare no dividends.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>Regulatory
Capital Requirements - </b>The Banks are subject to minimum regulatory capital standards promulgated by the OCC. Failure to meet
minimum capital requirements can initiate certain mandatory -- and possibly additional discretionary -- actions by regulators
that, if undertaken, could have a direct material effect on the Company&#x2019;s consolidated financial statements. Under capital
adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Banks must meet specific capital
guidelines that involve quantitative measures of the Company&#x2019;s assets, liabilities, and certain off-balance-sheet items
as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments
by the regulators about components, risk weightings, and other factors.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Prompt
corrective action regulations provide five classifications: well-capitalized, adequately capitalized, undercapitalized, significantly
undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition.
If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions
are limited, as is asset growth and expansion, and capital restoration plans are required.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>Capital
Standards &#x2013; </b>Effective January 1, 2020, the Company and the Banks became subject to the Community Bank Leverage Ratio
(&#x201c;CBLR&#x201d;) framework. Previously the Company and the Banks were subject to regulatory capital reforms in accordance
with Basel III.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><i>Community
Bank Leverage Ratio</i></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Certain
community banks and holding companies (which include the Company, Frankfort First, First Federal of Kentucky and First Federal
of Hazard) that satisfy certain qualifying criteria, including having less than $10 billion in average total consolidated assets
and a leverage ratio (referred to as the &#x201c;community bank leverage ratio&#x201d;) of greater than 9%, were eligible to opt-in
to the CBLR framework. The CBLR ratio is the ratio of a banking organization&#x2019;s Tier 1 capital to its average total consolidated
assets as reported on the banking organization&#x2019;s applicable regulatory filings. The Banks elected to utilize the CBLR framework
effective for the quarter ended March 31, 2020.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">On
April 6, 2020, federal banking regulators issued two interim final rules that make changes to the CBLR ratio framework and implement
certain directives of the Coronavirus Aid, Relief, and Economic Security (&#x201c;CARES&#x201d;) Act. The first of the April 2020
interim final rules reduced the minimum ratio from 9% to 8% for those banking organizations otherwise meeting the other existing
qualifying criteria) as well as establishing a two-quarter grace period for qualifying community banking organizations whose leverage
ratios fall below the 8% CBLR requirement, so long as the banking organization maintains a leverage ratio of 7% or greater. The
second interim final rule provides a transition from the temporary 8% CBLR requirement to a 9% requirement. It establishes a minimum
CBLR of 8% for the second through fourth quarters of 2020, an 8.5% minimum for 2021 and 9% thereafter, while maintaining a two-quarter
grace period for qualifying community banking organizations whose leverage ratios fall no more than 100 basis points below the
applicable CBLR requirement. The Company intends to continue with the existing layered ratio structure. Under this framework the
Company and the Banks would be considered well-capitalized under the applicable guidelines.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.7pt; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">The
Basel III, which became effective January 1, 2015, established higher minimum risk-based capital ratio requirements, a new common
equity Tier 1 risk-based capital ratio and a new capital conservation buffer (&#x201c;CCB.&#x201d;) The regulations also included
revisions to the definition of capital and changes in the risk-weighting of certain assets, in addition to redefining &#x201c;well
capitalized&#x201d; as a 6.5% common equity Tier 1 risk-based capital ratio, an 8.0% Tier 1 risk-based capital ratio, a 10.0% total
risk-based capital ratio and a 5.0% Tier 1 leverage ratio. The CCB is 2.5% and, if the Company and the Banks were unable to qualify
for the CBLR framework, in order to avoid limitations on capital distributions, including dividend payments, engaging in share
repurchases and certain discretionary bonus payments to executive officers, must maintain the CCB at the appropriate level.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in"><font style="font-family: Times New Roman, Times, Serif">The
Company&#x2019;s regulatory capital as of June 30, 2020, is presented in the following table.</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Minimum
    Requirement</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">For
    Capital</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Actual</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Adequacy
    Purposes</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">(Dollars in thousands)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">Risk-based capital:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 52%; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Common
    Equity Tier 1 capital ratio</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">50,962</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">27.6</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,305</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4.5</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Tier 1 (core) capital
    ratio</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">50,962</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">27.6</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">11,073</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6.0</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Total capital ratio</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">50,962</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">27.6</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">14,764</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8.0</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Leverage capital:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Tier 1 leverage capital
    to average assets</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">50,962</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">15.4</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">13,220</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4.0</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in"><font style="font-family: Times New Roman, Times, Serif">The
Banks&#x2019; regulatory capital as of June 30, 2020, is presented in the following table.</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Minimum
    Requirement</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">For
    Capital</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Actual</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Adequacy
    Purposes</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">(Dollars in thousands)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">Community Bank Leverage Ratio:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 52%; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">First
    Federal Savings and Loan Association of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">18,256</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">21.9</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,740</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8.0</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">First Federal Savings
    Bank of Kentucky</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">29,898</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12.1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">15,153</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8.0</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold">&#xa0;</td>
    <td colspan="14" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center">&#xa0;</td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold">&#xa0;</td><td style="font-family: Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Minimum</font></td><td style="font-family: Times New Roman, Times, Serif">&#xa0;</td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="14" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">As
    of June 30, 2019</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Requirement</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Minimum</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">To
    be &#x201c;Well-</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Requirement</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Capitalized&#x201d;
    Under</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">For
    Capital</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Prompt
    Corrective</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Actual</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Adequacy
    Purposes</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Action
    Provisions</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Amount</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ratio</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>(Dollars
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif"><b>&#xa0;</b></font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">Risk-based capital:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Common Equity Tier
    1 capital ratio</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Kentucky First Federal</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">51,767</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">26.8</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 7%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4.5</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">%</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">First Federal of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Tier 1 (core) capital
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Kentucky First Federal</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Total capital ratio</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">First Federal of Hazard</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">As
of June 30, 2020 and 2019, management believes that First Federal of Hazard and First Federal of Kentucky met all capital adequacy
requirements to which the Banks were subject. There are no conditions or subsequent events that have occurred that managements
believes have changed the Banks&#x2019; categories.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Regulations
of the Board of Governors of the Federal Reserve System governing mutual holding companies require First Federal MHC to meet certain
criteria before the company may waive the receipt by it of any common stock dividend declared by Kentucky First Federal Bancorp.
During each of the fiscal years ended June 30, 2020 and 2019, and pursuant to the provisions allowed by the Board of Governors
of the Federal Reserve System, First Federal MHC waived $1.9 million in dividends.</font></p><br/><span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1F<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958575-112826<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1A<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958569-112826<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(2)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958568-112826<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 505<br> -Section 50<br> -Paragraph 1D<br> -URI http://asc.fasb.org/extlink&amp;oid=117337116&amp;loc=SL5958573-112826<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">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404560438344">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Document And Entity Information - USD ($)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Sep. 24, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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">Kentucky First Federal Bancorp<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">10-K<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<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_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--06-30<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,252,215<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityPublicFloat', window );">Entity Public Float</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 23,700,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001297341<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
<td class="text">Yes<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
<td class="text">No<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFilerCategory', window );">Entity Filer Category</a></td>
<td class="text">Non-accelerated Filer<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityWellKnownSeasonedIssuer', window );">Entity Well-known Seasoned Issuer</a></td>
<td class="text">No<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jun. 30,  2020<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
<td class="text">2020<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
<td class="text">FY<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntitySmallBusiness', window );">Entity Small Business</a></td>
<td class="text">true<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">false<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">0-51176<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">KY<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityInteractiveDataCurrent', window );">Entity Interactive Data Current</a></td>
<td class="text">Yes<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="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">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.</p></div>
<a href="javascript:void(0);" onclick="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">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p></div>
<a href="javascript:void(0);" onclick="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">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="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">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="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>
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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>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>
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<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_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 Regulation 12B<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_EntityCommonStockSharesOutstanding">
<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 number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p></div>
<a href="javascript:void(0);" onclick="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_EntityCommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="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_EntityCurrentReportingStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 Regulation 12B<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_EntityFilerCategory">
<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 whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFilerCategory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:filerCategoryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_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_EntityInteractiveDataCurrent">
<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 registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-T<br> -Number 232<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityInteractiveDataCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityPublicFloat">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter.</p></div>
<a href="javascript:void(0);" onclick="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_EntityPublicFloat</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 Regulation 12B<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_EntityShellCompany">
<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 registrant is a shell company as defined in Rule 12b-2 of 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 Regulation 12B<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_EntityShellCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntitySmallBusiness">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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>Indicates that the company is a Smaller Reporting Company (SRC).</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 Regulation 12B<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_EntitySmallBusiness</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p></div>
<a href="javascript:void(0);" onclick="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_EntityVoluntaryFilers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="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 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p></div>
<a href="javascript:void(0);" onclick="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_EntityWellKnownSeasonedIssuer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404562330120">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loan Commitments<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommitmentsDisclosureTextBlock', window );">LOAN COMMITMENTS</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-family: Times New Roman, Times, Serif"><b>NOTE
J - LOAN COMMITMENTS</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">The
Banks are a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing
needs of their customers, including commitments to extend credit. Such commitments involve, to varying degrees, elements of credit
and interest-rate risk in excess of the amount recognized in the consolidated statements of financial condition. The contract
or notional amounts of the commitments reflect the extent of the Banks&#x2019; involvement in such financial instruments.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">The
Banks&#x2019; exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments
to extend credit is represented by the contractual notional amount of those instruments. The Banks use the same credit policies
in making commitments and conditional obligations as those utilized for on-balance-sheet instruments.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">At
June 30, 2020 and 2019, the Banks had the following outstanding loan commitments:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Fixed</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Variable</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Fixed</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Variable</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">Unused commitment:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Revolving,
    open-end lines secured by real estate</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">10,354</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">9,520</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Commitments to fund real estate construction
    loans</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">854</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,443</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,715</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,386</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Other unused commitment:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Commercial and
    industrial loans</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,541</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,156</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Other</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,576</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,454</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,145</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,240</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">Letters of credit</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commitments
to make loans are generally made for periods of 60 days or less. The fixed rate loan commitments at June 30, 2020 totaled $854,000
and had interest rates ranging from 3.25% to 6.00% and maturities ranging from 1 year to 30 years. The fixed rate loan commitments
at June 30, 2019 totaled $2.7 million and had interest rates ranging from 3.75% to 7.00% with maturities ranging from 7 years
to 20 years.</font></p><br/><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsDisclosureTextBlock">
<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 entire disclosure for significant arrangements with third parties, which includes operating lease arrangements and arrangements in which the entity has agreed to expend funds to procure goods or services, or has agreed to commit resources to supply goods or services, and operating lease arrangements. Descriptions may include identification of the specific goods and services, period of time covered, minimum quantities and amounts, and cancellation rights.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 440<br> -URI http://asc.fasb.org/topic&amp;trid=2144648<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;">us-gaap_CommitmentsDisclosureTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404649733928">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal Income Taxes<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [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_us-gaap_IncomeTaxDisclosureTextBlock', window );">FEDERAL INCOME TAXES</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-family: Times New Roman, Times, Serif"><b>NOTE
I - FEDERAL INCOME TAXES</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Federal
income taxes on earnings differs from that computed at the statutory corporate tax rate for the years ended June 30, 2020 and
2019, as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="text-align: center; font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Federal income taxes at
    the statutory rate</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(2,579</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">200</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Increase (decrease) resulting primarily
    from:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Cash surrender value
    of life insurance</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(16</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(15</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Deferred tax liability
    adjustment, net, resulting from Kentucky tax legislation</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">14</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(63</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Goodwill impairment</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,848</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Other</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(3</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">19</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">264</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">141</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">The
composition of the Company&#x2019;s net deferred tax liability at June 30 is as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Taxes (payable refundable on temporary
    differences at estimated corporate tax rate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Deferred tax assets:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">General
    loan loss allowance</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">371</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">363</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Accrued expenses</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">164</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">113</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Fair value accounting
    adjustments on acquisition</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">199</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">223</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Nonaccrued interest
    on loans</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">118</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">102</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Other real estate
    owned adjustments</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">17</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">16</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Depreciation</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">37</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">38</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Charitable contributions</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">State
    net operating loss carryforward</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">170</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total deferred
    tax assets</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">918</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,025</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">Deferred tax liabilities:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Federal Home Loan
    Bank stock dividends</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(981</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(981</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Deferred loan origination
    costs</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(33</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(48</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Loan servicing rights</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(24</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(18</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Accrual to cash adjustment</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(170</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(127</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Fair
    value accounting adjustments on acquisition</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(547</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(552</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total
    deferred tax liabilities</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(1,755</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(1,726</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Net
    deferred tax liability</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(837</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(701</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">As
discussed in Note A, in the fiscal year ended June 30, 2019, the Company recognized a tax benefit of $63,000 as a result of the
tax legislation enacted by the Commonwealth of Kentucky in spring 2019. As a result of HB 458 on combined reporting, the Company
recorded a deferred tax asset for the state net operating loss carryforward. The losses are expected to be utilized when the Company
begins filing a combined Kentucky income tax return with the Banks. The loss carryforward expires beginning 2032.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Prior
to 1997, the Banks were allowed a special bad debt deduction, generally limited to 8% of otherwise taxable income, and subject
to certain limitations based on aggregate loans and deposit account balances at the end of the year. If the amounts that qualified
as deductions for federal income taxes are later used for purposes other than bad debt losses, including distributions in excess
of accumulated earnings and profits, such distributions will be subject to federal income taxes at the then current corporate
income tax rate. Retained earnings at June&#xa0;30, 2020, include approximately $5.2 million for which federal income taxes have
not been provided. The amount of unrecognized deferred tax liability relating to the cumulative bad debt deduction was approximately
$1.3 million at June 30, 2020.</font></p><br/><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
<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 );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404658735784">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Advances from the Federal Home Loan Bank<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBanksAbstract', window );"><strong>Federal Home Loan Banks [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_us-gaap_FederalHomeLoanBankAdvancesTextBlock', window );">ADVANCES FROM THE FEDERAL HOME LOAN BANK</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-family: Times New Roman, Times, Serif"><b>NOTE
H - ADVANCES FROM THE FEDERAL HOME LOAN BANK</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Advances
from the Federal Home Loan Bank, collateralized at June 30, 2020 and 2019 by pledges of certain qualifying residential mortgage
loans totaling $172.0 million and $86.8 million, respectively, and the Banks&#x2019; investment in Federal Home Loan Bank stock,
are summarized as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Maturing
    year ending June 30</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="width: 88%; font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2021</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="width: 9%; font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">28,342</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2022</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,307</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2023</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12,679</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2024</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,659</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2025</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,643</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2026</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">31</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2027</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">22</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">2028-2032</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">32</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">54,715</font></td><td style="padding-bottom: 4pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">At
June 30, 2020 interest rates for advances were fixed ranging from 0.21% to 2.30%, with a weighted-average interest rate of 0.99%.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">At
June 30, 2019 interest rates for advances were fixed ranging from 2.11% to 2.41%, with a weighted-average interest rate of 2.39%.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Each
advance is payable at its maturity date, with a prepayment penalty for fixed rate advances. Based on collateral composed of first
mortgage loans and the Company&#x2019;s holdings of FHLB stock, the Company was eligible to borrow up to $74.6 million as of June
30, 2020. In addition, we have the ability to borrow from the Federal Reserve Bank Discount Window. At June 30, 2020, based on
home equity loans and share loans we had pledged collateral which would enable us to borrow up to $4.8 million. First Federal
Savings Bank of Kentucky at June 30, 2020, had a $5.0 million Fed Funds line of credit with the Bankers&#x2019; Bank of Kentucky.</font></p><br/><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure of advances made and reported by Federal Home Loan Bank (FHLBank).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -URI http://asc.fasb.org/topic&amp;trid=2209208<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404561142568">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock', window );">DEPOSITS</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-family: Times New Roman, Times, Serif"><b>NOTE
G - DEPOSITS</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Deposits
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Non-interest bearing
    checking accounts</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,258</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5,534</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Checking accounts</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">15,133</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">13,126</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Savings accounts</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">45,571</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">43,228</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Money market
    demand deposits</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">9,156</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,056</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Total demand, transaction
    and passbook deposits</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">78,118</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">69,944</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Certificates
    of deposit</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">134,155</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">125,892</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Total
    deposits</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">212,273</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">195,836</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">At
June 30, 2020 and 2019, the Banks had certificate of deposit accounts with balances equal to or in excess of $250,000 totaling
approximately $13.0 million and $9.8 million, respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Maturities
of outstanding certificates of deposit at June 30 are summarized as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="width: 88%; font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2021</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="width: 9%; font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">92,489</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2022</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">30,819</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2023</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">7,795</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">2024</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,098</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">2025
    and thereafter</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,954</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="border-bottom: Black 4pt double; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">134,155</font></td><td style="padding-bottom: 4pt; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 405<br> -Section 50<br> -Paragraph 1<br> -URI http://asc.fasb.org/extlink&amp;oid=116652737&amp;loc=d3e64164-112818<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -URI http://asc.fasb.org/extlink&amp;oid=120398452&amp;loc=d3e534808-122878<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404659154472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Goodwill<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>Goodwill and Intangible Assets Disclosure [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_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock', window );">GOODWILL</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-family: Times New Roman, Times, Serif"><b>NOTE
F - GOODWILL</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Goodwill
of $14.5 million was originally recorded in March 2005 when the Company, as part of its initial public offering, purchased Frankfort
First Bancorp, Inc., with a portion of the stock and cash proceeds from the offering. The Company has $14.5 million of goodwill
net of impairment losses of $13.6 million and $0 at June 30, 2020 and 2019, respectively. During the fiscal year ended June 30,
2020, a prolonged decline in the stock price of the Company exacerbated by the COVID-19 pandemic and its related economic impact
led to management&#x2019;s performance of a goodwill impairment analysis as of June 30, 2020. Based on the results of this analysis
and in conjunction with management&#x2019;s early adoption of ASU 2017-04, <i>Intangibles-Goodwill and Other (Topic 350): Simplifying
the Test for Goodwill Impairment</i>, the estimated fair value of the Company was less than book value, resulting in a $13.6 million
goodwill impairment charge. Goodwill impairment exists when a Company&#x2019;s reporting unit&#x2019;s carrying value of goodwill
exceeds its fair value. The estimated fair value of the Company was determined based on a combination of methods including discounted
cash flows of forecasted earnings and estimated sales price based on recent observable market transactions of similar securities.</font></p><br/><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for goodwill and intangible assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 350<br> -URI http://asc.fasb.org/topic&amp;trid=2144416<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404658741928">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Premises and Equipment<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Property, Plant and Equipment [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock', window );">PREMISES AND EQUIPMENT</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-family: Times New Roman, Times, Serif"><b>NOTE
E - PREMISES AND EQUIPMENT</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Premises
and equipment at June 30 are comprised of the following:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,516</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,516</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Buildings and improvements</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,493</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,492</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Furniture and equipment</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,204</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,134</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Automobiles</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">36</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">36</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">10,249</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">10,178</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Less: accumulated
    depreciation</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5,333</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5,150</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">Balance at end
    of year</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4,916</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5,028</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for long-lived, physical asset used in normal conduct of business and not intended for resale. Includes, but is not limited to, work of art, historical treasure, and similar asset classified as collections.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 958<br> -SubTopic 360<br> -Section 50<br> -Paragraph 6<br> -URI http://asc.fasb.org/extlink&amp;oid=120429125&amp;loc=d3e99893-112916<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 360<br> -URI http://asc.fasb.org/topic&amp;trid=2155823<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 958<br> -SubTopic 360<br> -Section 50<br> -Paragraph 7<br> -URI http://asc.fasb.org/extlink&amp;oid=120429125&amp;loc=SL120174063-112916<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 958<br> -SubTopic 360<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -URI http://asc.fasb.org/extlink&amp;oid=120429125&amp;loc=d3e99779-112916<br></p></div>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404564010008">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Real Estate Owned<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtDisclosureAbstract', window );"><strong>Debt Disclosure [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_us-gaap_DebtDisclosureTextBlock', window );">REAL ESTATE OWNED</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-family: Times New Roman, Times, Serif"><b>NOTE
D &#x2013; REAL ESTATE OWNED</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Activity
in real estate owned for the years ended June 30 was as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 76%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Balance at beginning
    of year</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">710</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">710</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Loans transferred to real estate
    owned</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">304</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">347</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Capitalized expenditures</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">44</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">98</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Valuation adjustments</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(36</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(66</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Disposals</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(382</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(379</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">Balance at end
    of year</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">640</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">710</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtDisclosureAbstract">
<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 );">- References</a><div><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;">us-gaap_DebtDisclosureAbstract</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 470<br> -URI http://asc.fasb.org/topic&amp;trid=2208564<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;">us-gaap_DebtDisclosureTextBlock</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404565814152">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>Receivables [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_us-gaap_FinancingReceivablesTextBlock', window );">LOANS</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE
C - LOANS</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
composition of the loan portfolio at June 30 was as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">222,489</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,415</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,214</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">91</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unsecured</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">451</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">287,375</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">282,425</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance
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    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1,456</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">285,887</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">280,969</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio class
and based on impairment method as of June 30, 2020 and 2019. There were $751,000 and $949,000 in loans acquired with deteriorated
credit quality at June 30, 2020 and 2019, respectively.</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2020:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    individually evaluated</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    acquired with deteriorated credit quality*</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending
    loans balance</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ending
    allowance attributed to loans</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unallocated
    allowance</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    allowance</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-indent: -0.125in; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    individually evaluated for impairment:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 28%; text-align: left; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,983</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">751</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,734</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">671</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">*
These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration
since acquisition.</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif">&#xa0;</td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 28%; text-align: left; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">949</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,786</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,256</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,456</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">282,425</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,256</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">200</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,456</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">*
These loans were evaluated at acquisition date at their estimated fair value and there has been no subsequent deterioration
since acquisition.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following tables present impaired loans by class of loans as of and for the years ended June 30, 2020 and 2019:</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>June
30, 2020:</b></font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unpaid
    Principal Balance and Recorded Investment</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance
    for Loan Losses Allocated</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average
    Recorded Investment</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
    Income Recognized</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"></p><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Cash
                                         Basis</b></font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Income</b></font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Recognized</b></font></p></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
    no related allowance recorded:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,734</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,713</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">172</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">172</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">671</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">679</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Construction</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">63</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
    real estate</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">660</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">701</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">47</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">47</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,437</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,415</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">262</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">262</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>June
30, 2019:</b></font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unpaid
    Principal Balance and Recorded Investment</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance
    for Loan Losses Allocated</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average
    Recorded Investment</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
    Income Recognized</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"></p><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Cash
                                         Basis</b></font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Income</b></font></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Recognized</b></font></p></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
    no related allowance recorded:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential
    real estate:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
    to four-family</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,786</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;--</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,449</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">226</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">226</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Multi-family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">343</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farm</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">309</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">310</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonresidential
    real estate</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">683</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">403</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,463</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,505</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">259</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">259</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">The
following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual status by class
of loans as of June 30, 2020 and 2019. The tables include loans acquired with deteriorated credit quality. At June 30, 2020, the
table below includes approximately $508,000 of loans on nonaccrual and no loans past due over 90 days and still accruing of loans
acquired with deteriorated credit quality, while at June 30, 2019, approximately $369,000 of loans on nonaccrual and no loans
past due over 90 days and still accruing represent such loans.</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><font style="font-family: Times New Roman, Times, Serif">June
    30, 2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="6" style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid"><font style="font-family: Times New Roman, Times, Serif">June
    30, 2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Nonaccrual</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Loans
    Past Due Over 90 Days Still Accruing</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Nonaccrual</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Loans
    Past Due Over 90 Days Still Accruing</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
    to four-family</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4,458</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,135</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4,545</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,747</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">671</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">685</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">63</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">309</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">309</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">49</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commercial and industrial</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Consumer</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">95</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">9</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,260</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,135</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,796</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">One-
to four-family loans in process of foreclosure totaled $694,000 and $1.2 million at June 30, 2020 and 2019, respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>Troubled
Debt Restructurings:</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">A
Troubled Debt Restructuring (&#x201c;TDR&#x201d;) is the situation where the Bank grants a concession to the borrower that the Banks
would not otherwise have considered due to the borrower&#x2019;s financial difficulties. All TDRs are considered &#x201c;impaired.&#x201d;</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">The
provisions of the CARES Act included an election to not apply the guidance on accounting for troubled debt restructurings to loan
modifications, such as extensions or deferrals, related to COVID-19 made between March 1, 2020 and the earlier of (i) December
31, 2020 or (ii) 60 days after the end of the COVID-19 national emergency. The relief can only be applied to modifications for
borrowers that were not more than 30 days past due as of December 31, 2019. The Company elected to adopt these provisions of the
CARES Act.&#xa0;In response to the Covid-19 pandemic and the widespread economic downturn that immediately resulted, the Company
adopted a loan forbearance plan in which then-current affected borrowers could request deferral of their loan payments for a period
of three months. A total of $17.3 million in loans were accepted into the plan through June 30, 2020, of which approximately $14.1
million have reached their three-month deferral date. Of those loans which have reached the end of their deferral period approximately
$13.8 million or 97.7% have returned to regular payment status.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">At
June 30, 2020 and 2019, the Company had $1.9 million and $1.6 million of loans classified as TDRs, respectively. Of the TDRs at
June 30, 2020, approximately 26.2% were related to the borrower&#x2019;s completion of Chapter 7 bankruptcy proceedings with no
reaffirmation of the debt to the Banks.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">During
the year ended June 30, 2020, the Company had six loans restructured as TDRs. One borrower refinanced a piece of one- to four-family,
non-owner occupied, residential property to bring to current amounts owed on other loans with the Bank. Because the borrower&#x2019;s
financial condition had deteriorated, it was unlikely that the borrower could have secured financing elsewhere. The restructured
loan is collateralized and cross-collateralized by real estate. Three single family residential borrowers filed for Chapter 7
bankruptcy protection and did not reaffirm the debts personally, although the Company&#x2019;s collateral position remains intact.
Finally, a first and second mortgage on an 8-plex were refinanced into a single loan with a slightly extended maturity term and
a lower interest rate, which was consistent with similarly-priced comparable loans at the time of refinance.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">During
the year ended June 30, 2019, the terms of two one- to four family residential real estate loans totaling $323,000 were modified
as troubled debt restructurings (&#x201c;TDRs.&#x201d;) One loan totaling $248,000 was refinanced with $30,000 cash out because
of cost overruns associated with construction of two four-plexes. This loan was part of an overall credit facility maintained
for the construction project. The credit facility is secured by the project real estate as well as additional real estate. The
loan was classified as a TDR because of payment delays experienced by the borrower. Subsequent to June 30, 2019, an updated appraisal
showing adequate loan-to-value in support of the project was obtained. One loan totaling $75,000 was modified with $15,000 cash
out and an extension of the loan term to enable the borrower to consolidate debts and establish acceptable debt service obligations
after a period of unemployment. Although the interest rate on this loan was the same rate offered to other customers at the time,
the credit was determined to be a TDR because the borrower&#x2019;s credit worthiness had deteriorated. Because the restructured
loan bears interest at the same rate offered to other such borrowers and the repayment period was extended slightly, the borrower
is expected to be able to service the debt as restructured.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">In
order to determine whether a borrower is experiencing financial difficulty, we consider the probability that the borrower will
be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under
the Company&#x2019;s internal underwriting policy.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">The
Company had no allocated specific reserves to customers whose loan terms have been modified in troubled debt restructurings as
of June 30, 2020 or 2019. At June 30, 2020 and 2019, TDR loans on nonaccrual status totaled $1.8 million and $1.3 million, respectively.
The Company had no commitments to lend additional amounts as of June 30, 2020 and 2019, to customers with outstanding loans that
are classified as troubled debt restructurings. The Company had no TDR loans which defaulted during fiscal 2020 or during fiscal
2019.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">The
following tables present the aging of the principal balance outstanding in accruing past due loans as of June 30, 2020 and 2019,
by class of loans. The tables include loans acquired with deteriorated credit quality. At June 30, 2020, the table below includes
$101,000 in loans 30-89 days past due and approximately $28,000 of loans past due over 90 days that were acquired with deteriorated
credit quality, while at June 30, 2019, the table below includes no loans 30-89 days past due and approximately $13,000 of loans
past due over 90 days of such loans.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>June
30, 2020:</b></font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">30-89
    Days Past Due</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Greater
    than 90 Days Past Due</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Total
    Past Due</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Loans
    Not Past Due</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-to
    four-family</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,546</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,670</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5,216</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">217,273</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">222,489</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12,373</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">12,373</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">192</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">63</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">255</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,790</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4,045</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">765</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">765</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">107</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">309</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">416</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,938</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,354</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">57</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">253</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">310</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">33,193</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">33,503</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commercial and industrial</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,214</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,214</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Consumer and other:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Loans on deposits</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,245</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Home equity</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">255</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">90</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">345</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">7,300</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">7,645</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Automobile</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">67</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">67</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">675</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">675</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,385</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,542</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">280,833</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">287,375</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>June
30, 2019:</b></font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">30-89
    Days Past Due</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Greater
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Loans
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-to
    four-family</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">4,021</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,479</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">7,500</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">208,566</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">216,066</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">248</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">248</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">15,680</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">15,928</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">753</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">753</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,004</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,757</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">852</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">852</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,155</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,157</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">362</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">49</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">411</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">30,008</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">30,419</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commercial and industrial</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,075</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,075</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Consumer and other:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Loans on deposits</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Home equity</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">38</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Automobile</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">83</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">91</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">451</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,960</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">273,465</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">282,425</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>Credit
Quality Indicators:</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">The
Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt
such as: current financial information, historical payment experience, credit documentation, public information, and current economic
trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis
is performed on an annual basis. The Company uses the following definitions for risk ratings:</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>Special
Mention.</b> Loans classified as special mention have a potential weakness that deserves management&#x2019;s close attention. If
left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution&#x2019;s
credit position at some future date.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>Substandard.
</b>Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or
of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation
of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies
are not corrected.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>Doubtful.
</b>Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic
that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly
questionable and improbable.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Loans
not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass
rated loans. Loans listed that are not rated are included in groups of homogeneous loans and are evaluated for credit quality
based on performing status. See the aging of past due loan table above. As of June 30, 2020, and 2019, and based on the most recent
analysis performed, the risk category of loans by class of loans was as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">June 30, 2020:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Pass</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Special
    Mention</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Substandard</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Doubtful</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
    to four-family</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">215,010</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">742</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6,737</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">11,702</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">671</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3,982</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">63</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">765</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,045</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">309</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">31,529</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">939</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,035</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commercial and industrial</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,188</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">26</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Consumer and other:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Loans on deposits</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Home equity</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">39</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">101</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Automobile</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">67</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">670</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,720</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,947</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">June 30, 2019:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Pass</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Special
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Substandard</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 52%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
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    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,683</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">685</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">852</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2,848</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">309</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">28,990</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">746</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">683</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commercial and industrial</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,584</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">491</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Consumer and other:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Loans on deposits</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Home equity</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">8,053</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">137</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">24</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Automobile</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">91</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">446</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Total</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">269,768</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,777</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">10,880</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0 0pt 0.2in"><font style="font-family: Times New Roman, Times, Serif">The
following tables present the activity in the allowance for loan losses by portfolio segment for the years ended June 30, 2020
and 2019:</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-family: Times New Roman, Times, Serif"><b>June
30, 2020:</b></font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Beginning
    balance</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Provision
    for loan losses</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Loans
    charged off</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Recoveries</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ending
    balance</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
    to four-family</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">685</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">49</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(65</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">671</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">200</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(16</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">336</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">69</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commercial and industrial</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">5</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Consumer and other:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Home equity</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Auto</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Unallocated</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">200</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Totals</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">103</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(73</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,488</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><font style="font-family: Times New Roman, Times, Serif"><b>June
30, 2019:</b></font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Beginning
    balance</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Loans
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    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">Ending
    balance</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; width: 40%; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
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    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">795</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Multi-family</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Construction</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(2</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Land</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Farm</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">6</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Nonresidential real estate</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">321</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">15</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">336</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Commercial and industrial</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">2</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Consumer and other:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
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    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Loans on deposits</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">3</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Home equity</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">13</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">14</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">Unsecured</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(21</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">20</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">Unallocated</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">200</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">--</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">200</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt; padding-left: 0.25in"><font style="font-family: Times New Roman, Times, Serif">Totals</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,576</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">11</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(190</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">59</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">1,456</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif"><b>Purchased
Loans:</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">The
Company purchased loans during the fiscal year ended June 30, 2013 for which there was, at acquisition, evidence of deterioration
of credit quality since origination and it was probable, at acquisition, that all contractually required payments would not be
collected. The carrying amount of those loans, net of a purchase credit discount of $351,000 and $351,000, at June 30, 2020 and
2019, respectively, was as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="padding-bottom: 1.5pt; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Residential
    real estate:</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="width: 76%; font-family: Times New Roman, Times, Serif; text-align: left; padding-left: 9pt"><font style="font-family: Times New Roman, Times, Serif">One-
    to four-family</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="width: 9%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">751</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="width: 9%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">949</font></td><td style="width: 1%; font-family: Times New Roman, Times, Serif; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Accretable
yield, or income expected to be collected on loans purchased during fiscal year 2013, for the years ended June 30 was as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">(in
    thousands)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2020</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; font-weight: bold; text-align: center"><font style="font-family: Times New Roman, Times, Serif">2019</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; font-weight: bold"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif">634</font></td><td style="font-family: Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; ">
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    of income</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(97</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 1.5pt solid; text-align: right"><font style="font-family: Times New Roman, Times, Serif">(90</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif">)</font></td></tr>
<tr style="font-family: Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">Balance at end
    of year</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">447</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td><td style="font-family: Times New Roman, Times, Serif; font-weight: bold; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td>
    <td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">$</font></td><td style="font-family: Times New Roman, Times, Serif; border-bottom: Black 4pt double; font-weight: bold; text-align: right"><font style="font-family: Times New Roman, Times, Serif">544</font></td><td style="font-family: Times New Roman, Times, Serif; padding-bottom: 4pt; font-weight: bold; text-align: left"><font style="font-family: Times New Roman, Times, Serif">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.2in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">For
those purchased loans disclosed above, the Company made no increase in allowance for loan losses for the years ended June 30,
2020 or 2019, nor were any allowance for loan losses reversed during those years. .</font></p><br/><span></span>
</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for financing receivable.</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/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 20<br> -URI http://asc.fasb.org/subtopic&amp;trid=2196816<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404563814504">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Securities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [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_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock', window );">SECURITIES</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE
B &#x2013; SECURITIES</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table summarizes the amortized cost and fair value of the available for sale securities and held to maturity investment
securities portfolio at June 30, 2020 and 2019 and the corresponding amounts of gross unrealized or unrecognized gains and losses.
Unrealized gains or losses apply to available-for-sale securities and are recognized in accumulated other comprehensive income,
while unrecognized gains or losses on held-to-maturity securities are not recognized in the financial statements. The gains and
losses are as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="14" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortized
    cost</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gross
    unrealized/ unrecognized gains</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gross
    unrealized/ unrecognized losses</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Estimated<br/>
fair value</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available-for-sale
    Securities</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    bonds</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">500</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;3</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;-</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">503</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    mortgage-backed:residential</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">541</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">611</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">U.S.
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">496</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;1</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;-</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">497</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
    bonds</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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June 30, 2020, the Company&#x2019;s debt securities consisted of a single agency bond and mortgage-backed securities, which do
not have a single maturity date. The bond, which had an amortized cost of $500,000 and a fair value of $503,000 at June 30, 2020,
matures within one year. Actual maturities may differ from contractual maturities, because borrowers may have the right to call
or prepay obligations with or without call or prepayment penalties. Securities without a single maturity, primarily mortgage-backed,
are not shown.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">There
were no sales of securities during the fiscal year ended June 30, 2020 or 2019. At June 30, 2020 the Company had $67,000 in held-to-maturity
mortgage-backed securities with gross unrealized losses of $3,000, while at June 30, 2019, the Company had $545,000 in held-to-maturity
mortgage-backed securities with gross unrealized losses of $14,000. Unrealized losses on agency mortgage-backed securities have
not been recognized into income because they are of high credit quality (rated AA or higher), management does not intend to sell
and it is likely that management will not be required to sell the securities prior to their anticipated recovery, and the decline
in fair value is largely due to changes in interest rates and other market conditions. The fair value is expected to recover as
the investments reach maturity.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
June 30, 2020 and 2019, pledged securities totaled $1.9 million and $2.0 million, respectively. At June 30, 2020 and 2019, the
pledged total included time deposits and/or overnight deposits of $1.5 million and $1.5 million, respectively.</font></p><br/><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for  investments in certain debt and equity securities.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140404562234280">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SignificantAccountingPoliciesTextBlock', window );">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</a></td>
<td class="text"><p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE
A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kentucky
First Federal Bancorp (the &#x201c;Company&#x201d;) is a savings and loan holding company whose activities are primarily limited
to holding the stock and managing the operations of First Federal Savings and Loan Association of Hazard, Kentucky (&#x201c;First
Federal of Hazard&#x201d;) and Frankfort First Bancorp, Inc., (&#x201c;Frankfort First&#x201d;) the holding company for First Federal
Savings Bank of Kentucky (&#x201c;First Federal of Kentucky&#x201d;). First Federal of Hazard and First Federal of Kentucky are
collectively referred to herein as &#x201c;the Banks.&#x201d; First Federal of Hazard is a community-oriented savings and loan association
dedicated to serving consumers in Perry and surrounding counties in eastern Kentucky, while First Federal of Kentucky operates
through six banking offices located in Frankfort, Danville and Lancaster, Kentucky. Both institutions engage primarily in the
business of attracting deposits from the general public and applying those funds to the origination of loans for residential and
consumer purposes. First Federal of Kentucky also originates, to a lesser extent, church loans, home equity and other loans. Other
than a predominance of one- to four-family residential property, which is common in most thrifts, there are no significant concentrations
of loans to any one industry or customer. However, the customers&#x2019; ability to repay their loans is dependent on the real
estate and general economic conditions in the Banks&#x2019; specific operating areas. The Banks&#x2019; profitability is significantly
dependent on net interest income, which is the difference between interest income generated from interest-earning assets (i.e.
loans and investments) and the interest expense paid on interest-bearing liabilities (i.e. customer deposits and borrowed funds).
Net interest income is affected by the relative amount of interest-earning assets and interest-bearing liabilities and the interest
received or paid on these balances. The level of interest rates paid or received by the Banks can be significantly influenced
by a number of environmental factors, such as governmental monetary policy, that are outside of management&#x2019;s control.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following is a summary of the Company&#x2019;s significant accounting policies which have been consistently applied in the preparation
of the accompanying consolidated financial statements.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.
<font style="text-decoration:underline">Principles of Consolidation</font>: The consolidated financial statements include the accounts of the Company, First Federal of
Hazard, Frankfort First and First Federal of Kentucky. All significant intercompany accounts and transactions have been eliminated
in consolidation.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.
<font style="text-decoration:underline">Use of Estimates</font>: The consolidated financial information presented herein has been prepared in accordance with U.S. generally
accepted accounting principles (&#x201c;U.S. GAAP.&#x201d;) To prepare financial statements in conformity with U.S. GAAP, management
makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in
the financial statements and the disclosures provided, and actual results could differ. Such estimates include, but are not limited
to, the allowance for loan losses, goodwill, and deferred taxes.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.
<font style="text-decoration:underline">Securities</font>: Debt securities are classified as held to maturity or available for sale. Securities classified as held to
maturity are to be carried at cost only if the Company has the positive intent and ability to hold these securities to maturity.
Securities designated as available for sale are carried at fair value with resulting unrealized gains or losses recorded to shareholders&#x2019;
equity, net of tax.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest
income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield
method without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses
on sales are recorded on the trade date and determined using the specific identification method.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Management
evaluates securities for other-than-temporary impairment (&#x201c;OTTI&#x201d;) at least on a quarterly basis, and more frequently
when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers
the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management
also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized
loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is
met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities
that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related
to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in
other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected
to be collected and the amortized cost basis.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.
<font style="text-decoration:underline">Loans</font>: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff
are reported at the principal amount outstanding, adjusted for deferred loan origination costs, net, discounts on purchased loans,
and the allowance for loan losses. Interest income is accrued on the unpaid principal balance unless the collectability of the
loan is in doubt. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income
using the level-yield method without anticipating prepayments. Interest income on one- to four-family residential loans is generally
discontinued at the time a loan is 180 days delinquent and on other loans at the time a loan is 90 days delinquent. All other
loans are moved to non-accrual status in accordance with the Company&#x2019;s policy, typically 90 days after the loan becomes
delinquent. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off
at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days
still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually
classified impaired loans.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">All
interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such
loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to
accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably
assured.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.
<font style="text-decoration:underline">Loans held for sale and Mortgage Servicing Rights</font>: Loans held for sale are carried at the lower of cost (less principal
payments received) or fair value, calculated on an aggregate basis. At June 30, 2020 the Company had $667,000 in loans held for
sale, while at June 30, 2019 there were no loans held for sale.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
selling loans, the Company utilizes a program with the Federal Home Loan Bank, retaining servicing on loans sold. Mortgage servicing
rights on originated loans that have been sold are initially recorded at fair value. Capitalized servicing rights are amortized
in proportion to and over the period of estimated servicing revenues. The Company recorded amortization related to mortgage servicing
rights totaling $20,000 and $13,000 during the years ended June 30, 2020 and 2019, respectively. The carrying value of the Company&#x2019;s
mortgage servicing rights, which approximated fair value, totaled approximately $96,000 and $76,000 at June 30, 2020 and 2019,
respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company was servicing mortgage loans of approximately $12.1 million and $9.4 million that had been sold to the Federal Home Loan
Bank at June 30, 2020 and 2019, respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Servicing
rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is recognized
through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the
Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the
allowance may be recorded as an increase to income. Changes in valuation allowances are reported with other non-interest income
on the income statement. The fair values of servicing rights are subject to significant fluctuations as a result of changes in
estimated and actual prepayment speeds and default rates and losses.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Servicing
fee income which is reported on the income statement as other non-interest income is recorded for fees earned for servicing loans.
The fees are based on a contractual percentage of the outstanding principal and are recorded as income when earned. The amortization
of mortgage servicing rights is netted against loan servicing fee income. Servicing fees totaled $7,000 and $15,000 for the fiscal
years ended June 30, 2020 and 2019, respectively. Late fees and ancillary fees related to loan servicing are not material.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.
<font style="text-decoration:underline">Allowance for Loan Losses</font>: The allowance for loan losses is a valuation allowance for probable incurred credit losses.
Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent
recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loss experience,
the nature and volume of the portfolio, trends in the level of delinquent and problem loans, adverse situations that may affect
the borrower&#x2019;s ability to repay, the estimated value of any underlying collateral and current and anticipated economic conditions
in the primary lending area. Allocations of the allowance may be made for specific loans, but the entire allowance is available
for any loan that, in management&#x2019;s judgment, should be charged off.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
allowance consists of specific and general components. The specific component relates to loans that are individually classified
as impaired or loans otherwise classified as substandard or doubtful. The general component covers all loans and is based on historical
loss experience adjusted for current factors. In consultation with regulators, the Company considers a time frame of two years
when estimating the appropriate level of allowance for loan losses. This period may be shortened or extended based on anticipated
trends in the banks or in the banks&#x2019; markets.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company
over the most recent eight quarters. This actual loss experience is supplemented with other economic factors based on the risks
present for each portfolio segment.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">These
economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and
trends in charge-offs and recoveries; trends in volume and terms of loans; changes in lending policies, procedures and practices;
experience, ability and depth of lending management and other relevant staff; economic trends and conditions; industry conditions;
and effects of changes in credit concentrations. Our portfolio segments include residential real estate, nonresidential real estate
and land, loans on deposits and consumer and other loans. Risk factors associated with our portfolio segments are as follows:</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Residential
Real Estate</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
primary lending activity is the origination of mortgage loans, which enable a borrower to purchase or refinance existing homes
in the Banks&#x2019; respective market areas. We further classify our residential real estate loans as one- to four-family (owner-occupied
vs nonowner-occupied), multi-family or construction. We believe that our first mortgage position on loans secured by residential
real estate presents lower risk than our other loans, with the exception of loans secured by deposits.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
offer a mix of adjustable-rate and fixed-rate mortgage loans with terms up to 30 years for owner-occupied properties. For these
properties a borrower may be able to borrow up to 95% of the value with private mortgage insurance. Alternatively, the borrower
may be able to borrow up to 90% of the value through other programs offered by the bank.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
offer loans on one- to four-family rental properties at a maximum of 80% loan-to-value (&#x201c;LTV&#x201d;) ratio and we generally
charge a slightly higher interest rate on such loans.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
also originate loans to individuals to finance the construction of residential dwellings for personal use or for use as rental
property. We occasionally lend to builders for construction of speculative or custom residential properties for resale, but on
a limited basis. Construction loans are generally less than one year in length, do not exceed 80% of the appraised value, and
provide for the payment of interest only during the construction phase. Funds are disbursed as progress is made toward completion
of the construction.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Multi-family
and Nonresidential Loans</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
offer mortgage loans secured by residential multi-family (five or more units), and nonresidential real estate. Nonresidential
real estate loans are comprised generally of commercial office buildings, churches and properties used for other purposes. Generally,
these loans are originated for 25 years or less and do not exceed 80% of the appraised value. Loans secured by multi-family and
commercial real estate generally have larger balances and involve a greater degree of risk than one- to four-family residential
mortgage loans. These loans depend on the borrower&#x2019;s creditworthiness and the feasibility and cash flow potential of the
project. Payments on loans secured by income properties often depend on successful operation and management of the properties.
As a result, repayment on such loans may be subject to a greater extent to adverse conditions in the real estate market or economy
than owner-occupied residential loans.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Consumer
lending</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
consumer loans include home equity lines of credit, loans secured by savings deposits, automobile loans, and unsecured loans.
Home equity loans are generally second mortgage loans subordinate only to first mortgages also held by the bank and do not exceed
80% of the estimated value of the property. We do offer home equity loans up to 90% of the estimated value to qualified borrowers
and these loans carry a premium interest rate. Loans secured by savings are originated up to 90% of the depositor&#x2019;s savings
account balance and bear interest at a rate higher than the rate paid on the deposit account. Because the deposit account must
be pledged as collateral to secure the loan, the inherent risk of this type of loan is minimal. Loans secured by automobiles are
made directly to consumers (there are no relationships with dealers) and are based on the value of the vehicle and the borrower&#x2019;s
creditworthiness. Vehicle loans present a higher level of risk because of the natural decline in the value of the property as
well as its mobility. Unsecured loans are based entirely on the borrower&#x2019;s creditworthiness and present the highest level
of risk to the bank.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Banks choose the most appropriate method for accounting for impaired loans. For secured loans, which make up the vast majority
of the loans in the banks&#x2019; portfolio, this method involves determining the fair value of the collateral, reduced by estimated
selling costs. Where appropriate, the Banks would account for impaired loans by determining the present value of expected future
cash flows discounted at the loan&#x2019;s effective interest rate.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A
loan is considered impaired when, based on current information and events, it is probable that a creditor will be unable to collect
all amounts due according to the contractual terms of the loan agreement. Although most of our loans are secured by collateral,
we rely heavily on the capacity of our borrowers to generate sufficient cash flow to service their debt. As a result, our loans
do not become collateral-dependent until there is deterioration in the borrower&#x2019;s cash flow and financial condition, which
makes it necessary for us to look to the collateral for our sole source of repayment. Collateral-dependent loans which are more
than ninety days delinquent are considered to constitute more than a minimum delay in repayment and are evaluated for impairment
under the policy at that time.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
utilize updated independent appraisals to determine fair value for collateral-dependent loans, adjusted for estimated selling
costs, in determining our specific reserve. In some situations management does not secure an updated independent appraisal. These
situations may involve small loan amounts or loans that, in management&#x2019;s opinion, have an abnormally low loan-to-value ratio.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">With
respect to the Banks&#x2019; investment in troubled debt restructurings, multi-family and nonresidential loans, and the evaluation
of impairment thereof, such loans are nonhomogenous and, as such, may be deemed to be collateral-dependent when they become more
than 90 days delinquent. We obtain updated independent appraisals in these situations or when we suspect that the previous appraisal
may no longer be reflective of the property&#x2019;s current fair value. This process varies from loan to loan, borrower to borrower,
and also varies based on the nature of the collateral.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.
<font style="text-decoration:underline">Federal Home Loan Bank Stock</font>: The banks are members of the FHLB system. Members are required to own a certain amount of
stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost,
classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash
and stock dividends are reported as interest income.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.
<font style="text-decoration:underline">Real Estate Owned</font>: Real estate acquired through or instead of foreclosure is initially recorded at fair value less estimated
selling expenses at the date of acquisition, establishing a new cost basis. These assets are subsequently accounted for at lower
of cost or fair value less estimated costs to sell. If fair value declines subsequently, the carrying value is adjusted through
a valuation allowance and the amount is recorded through expense. Costs relating to holding real estate owned, net of rental income,
are charged against earnings as incurred.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.
<font style="text-decoration:underline">Premises and Equipment</font>: Land is carried at cost. Premises and equipment are carried at cost less accumulated depreciation.
The cost of premises and equipment includes expenditures which extend the useful lives of existing assets. Maintenance, repairs
and minor renewals are expensed as incurred. For financial reporting, depreciation is provided on the straight-line method over
the useful lives of the assets, estimated to be forty years for buildings, ten to forty years for building improvements, and five
to ten years for furniture and equipment. When management initiates a plan to dispose of assets, those assets are transferred
to fixed assets held for sale and evaluated for potential impairment. At June 30, 2020 and 2019, the Company has fixed assets
held for sale of $161,000 related to a branch office no longer in use and included in other assets on the balance sheet. No impairment
losses have been taken on the property.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.
<font style="text-decoration:underline">Income Taxes</font>: Income tax expense is the total of the current year income tax due or refundable and the change in deferred
tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences
between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. Deferred tax assets are recorded
only to the extent that the amount of net deductible temporary differences or carryforward attributes may be utilized against
current period earnings, carried back against prior years&#x2019; earnings, offset against taxable temporary differences reversing
in future periods, or utilized to the extent of management&#x2019;s estimate of future taxable income. A valuation allowance, if
needed, reduces deferred tax assets to the amount expected to be realized. Deferred tax liabilities are provided on the total
amount of net temporary differences taxable in the future.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A
tax provision is recognized as a benefit only if it is &#x201c;more likely than not&#x201d; that the tax position would be sustained
in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit
that is greater than 50% likely of being realized on examination. For tax positions not meeting the &#x201c;more likely than not&#x201d;
test, no tax benefit is recorded. The Company recognizes interest and/or penalties related to income tax matters as income tax
expense.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Kentucky
First Federal Bancorp and Frankfort First Bancorp, Inc., each are subject to state income taxes in the Commonwealth of Kentucky.
Neither of the Banks are subject to state income tax in the Commonwealth until January 1, 2021, according to legislation enacted
in the spring of 2019. On March 26, 2019, Kentucky enacted H.B. 354 repealing the bank franchise tax. On April 9, 2019, Kentucky
enacted related legislation, H.B. 458, which made technical corrections to H.B. 354. Beginning on or after January 1, 2021, the
banks will be subject to the corporation income tax and limited liability entity tax (&#x201c;LLET&#x201d;) instead of the savings
and loan tax. Because the banks operate on a fiscal year, they must file a short-year corporation income tax and LLET return and
pay any tax due for the period beginning January 1, 2021 through the end of the banks&#x2019; normal fiscal year.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
a result of this legislation, in the fiscal year ended June 30, 2019, the Company recognized an income tax benefit of $63,000
to establish its deferred taxes for Kentucky and to record the net operating losses previously generated by the Company&#x2019;s
mid-tier holding companies, which are expected to be utilized on a combined tax return. With few exceptions, the Company is no
longer subject to U.S. federal, state and local tax examinations by tax authorities for years before 2017.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.
<font style="text-decoration:underline">Retirement and Employee Benefit Plans</font>: The Banks participate in the Pentegra Defined Benefit Plan for Financial Institutions
(&#x201c;The Pentegra DB Plan&#x201d;), which is a tax-qualified, multi-employer defined benefit pension fund covering all employees
who qualify as to length of service. The Pentegra DB Plan&#x2019;s Employer Identification Number is 13-5645888 and the Plan Number
is 333. The Pentegra DB Plan operates as a multi-employer plan for accounting purposes and as a multiple-employer plan under the
Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. The Pentegra DB Plan is a single plan under Internal
Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities. Accordingly, under the Pentegra
DB Plan contributions made by a participating employer may be used to provide benefits to participants of other participating
employers. Total contributions made to the Pentegra DB Plan, as reported on Form 5500, equal $138.3 million and $164.6 million
for the plan years ended June 30, 2019 and 2018, respectively. Our contributions for fiscal 2020 and 2019 were not more than 5%
of the total contributions made to the Pentegra DB Plan. Pension expense is the net contributions, which are based upon covered
employees&#x2019; ages and salaries and are dependent upon the ultimate prescribed benefits of the participants and the funded
status of the plan. The Company recognized expense related to the plans totaling approximately $935,000 and $1.2 million for the
fiscal years ended June 30, 2020 and 2019, respectively. There are no collective bargaining agreements in place that require contributions
to the Pentegra DB Plan. As of July 1, 2019, the most recent period for which information is available, the Banks had an adjusted
funding target attainment percentage (&#x201c;AFTAP&#x201d;) of 86.98%. There are no funding improvement plans or surcharges to
participants. Effective July 1, 2016, sponsorship of the plan was transferred to the Company, benefits ratios were standardized
and prospectively each bank will contribute to the plan based generally on its pro rata share of future benefits. Effective April
1, 2019, the Company elected to freeze benefits to its employee participants.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company also maintains a nonqualified deferred compensation plan for the benefit of certain directors, which is closed to any
future deferrals. The expense incurred for the deferred compensation was $2,000 and $2,000 for the fiscal years ended June 30,
2020 and 2019, respectively, while the liabilities totaled $51,000 and $49,000 at June 30, 2020 and 2019, respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company maintains an Employee Stock Ownership Plan (&#x201c;ESOP&#x201d;) which provides retirement benefits for substantially all
full-time employees who have completed one year of service and have attained the age of 21. Annual contributions are made to the
ESOP equal to the ESOP&#x2019;s debt service less dividends received by the ESOP on unallocated shares. Shares in the ESOP were
acquired using funds provided by a loan from the Company and, accordingly, the cost of those shares is shown as a reduction of
stockholders&#x2019; equity. Shares are released to participants proportionately as the loan is repaid. Dividends on allocated
shares are recorded as dividends and charged to retained earnings. Dividends on unallocated shares are used to repay loan principal
and accrued interest. Compensation expense is recorded equal to the fair value of shares committed to be released during a given
fiscal year. Allocation of shares to the ESOP participants is contingent upon the repayment of a loan to Kentucky First Federal
Bancorp totaling $528,000 and $765,000 at June 30, 2020 and 2019, respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company recorded expense for the ESOP of approximately $135,000 and $144,000 for the years ended June 30, 2020 and 2019, respectively.
Shares may be surrendered from the plan as employees leave employment. Total shares surrendered from the plan totaled 194,445
and 156,787 at June 30, 2020 and 2019, respectively. The amounts contributed to the ESOP were $280,000 for each of the years 2020
and 2019.</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
    the fiscal year ended</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30,</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allocated
    shares</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">104,254</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">123,241</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shares
    committed to be released</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,338</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,338</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unearned
    shares</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28,936</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,607</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
    ESOP shares</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">142,528</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">180,186</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-bottom: 4pt; text-indent: -0.125in; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    value of unearned shares at End of period</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">195,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">374,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company maintains a 401(k) plan for the benefit of all full-time employees. No employer contributions have been made to the 401(k)
plan.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.
<font style="text-decoration:underline">Earnings Per Share</font>: Diluted earnings per share is computed taking into consideration common shares outstanding and dilutive
potential common shares to be issued or released under the Company&#x2019;s share-based compensation plans. There is no adjustment
to net earnings for the calculation of diluted earnings per share. The factors used in the basic and diluted earnings per share
computations for the fiscal years ended June 30 follow:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For
    the fiscal year ended</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="6" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30,</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net
    (loss) income allocated to common shareholders, basic and diluted</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(12,547,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">812,000</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(LOSS)
    EARNINGS PER SHARE</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1.52</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.10</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Weighted
    average common shares outstanding, basic and diluted</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,251,860</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 4pt double; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8,335,612</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basic
earnings per share is computed based upon the weighted-average shares outstanding during the year (which excludes treasury shares)
less average shares in the ESOP that are unallocated and not committed to be released. There were no options outstanding for fiscal
years 2020 and 2019.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.
<font style="text-decoration:underline">Fair Value of Assets and Liabilities</font>: Fair value is the exchange price that would be received for an asset or paid to transfer
a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between
market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level
1</b> - Quoted prices in active markets for identical assets or liabilities that the entity has the ability to access as of the
measurement date.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level
2</b> - Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in
markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially
the full term of the assets or liabilities.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level
3 </b>&#x2013; Significant unobservable inputs that reflect a company&#x2019;s own assumptions about the assumptions that market
participants would use in pricing an asset or liability.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Following
is a description of the valuation methodologies used for assets measured at fair value on a recurring basis and recognized in
the accompanying balance sheet, as well as the general classification of such instruments pursuant to the valuation hierarchy.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Securities</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Where
quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If
quoted market prices are not available, then fair values are estimated by using matrix pricing, which is a mathematical technique
widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities
but rather by relying on the securities&#x2019; relationship to other benchmark quoted securities (Level 2 inputs).</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table presents the fair value measurements of assets and liabilities measured at fair value on a recurring basis at
June 30, 2020 and 2019. The securities represented are only those classified as available-for sale.</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="10" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value Measurements Using</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quotes
    Prices</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    Active</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Markets
    for</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Identical</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Observable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    1)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    2)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
    3)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">U.S.
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agency
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">There
were no transfers between levels 1 and 2.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Following
is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and
recognized in the accompanying consolidated balance sheet, as well as the general classification of such assets pursuant to the
valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported
fair value is described below.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Impaired
Loans</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent independent
real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable
sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences
between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level
3 classification of the inputs for determining fair value and totaled $0 and $13,000 for the years ended June 30, 2020 and 2019,
respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Independent
appraisals for collateral-dependent loans are updated periodically (usually every 12-24 months depending on the size of the loan
and the loan-to-value ratio).</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Real
Estate Owned</b></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real
estate properties acquired through or instead of loan foreclosure are initially recorded as real estate owned (&#x201c;REO&#x201d;)
at fair value, less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at
lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which
are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches
including comparable sales and the income approach with data from comparable properties. Adjustments are routinely made in the
appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available.
Such adjustments were $36,000 and $66,000 for the fiscal years 2020 and 2019, respectively, and resulted in a Level 3 classification
of the inputs for determining fair value.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table presents the fair value measurements of assets and liabilities measured at fair value on a nonrecurring basis
at June 30, 2020 and 2019.</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="10" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value Measurements Using</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">in
    Active</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Markets
    for</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Identical</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Observable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Inputs</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><font style="text-decoration:underline">2020</font></font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; width: 52%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><font style="text-decoration:underline">2019</font></font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">One-
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at
fair value on a non-recurring basis at June 30, 2020 and 2019:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Range</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Valuation</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Weighted</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Technique(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Input(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 25%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Foreclosed
    and repossessed assets:</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: left; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">465</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-2.7%
    to 41.2% (20.4%)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Range</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Valuation</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unobservable</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Weighted</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Technique(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Input(s)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;Loans:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; width: 25%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">593</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; width: 20%; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">25.3%
    to -50.6% (-0.6%)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Foreclosed
    and repossessed assets:</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; vertical-align: top; padding-left: 0.125in; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1-4
    family</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">117</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales
    comparison approach</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments
    for differences between comparable sales</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.6%
    to 31.0% (29.0%)</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following disclosure of the fair value of financial instruments, both assets and liabilities, whether or not recognized in the
consolidated balance sheet, is based on the assumptions presented for each particular item and for which it is practicable to
estimate that value. For financial instruments where quoted market prices are not available, fair values are based on estimates
using present value and other valuation methods.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
methods used are greatly affected by the assumptions applied, including the discount rate and estimates of future cash flows.
Therefore, the fair values presented may not represent amounts that could be realized in an exchange for certain financial instruments.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Company&#x2019;s financial instruments at June 30, 2020 and 2019 are as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="14" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair
    Value Measurements at</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif; text-align: center"><b>Carrying</b></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="14" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
    30, 2020 Using</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Value</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    1</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    2</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
    3</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
    assets</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash
    and cash equivalents</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,702</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time
    deposits in other financial institutions</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,229</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,252</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">685</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">n/a</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">830</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">830</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">213,118</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,416</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">55,416</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">800</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">800</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td colspan="5" style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="padding-bottom: 1.5pt; font: bold 10pt Times New Roman, Times, Serif; text-align: justify">&#xa0;</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td colspan="14" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level
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    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financial
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 40%; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash
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    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,861</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time
    deposits in other financial institutions</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,963</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,963</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available-for-sale
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,045</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,045</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,045</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Held-to-maturity
    securities</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">775</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans
    receivable - net</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">280,969</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">285,700</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">285,700</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
    Home Loan Bank stock</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">69,944</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">123,920</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">193,864</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Federal
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,719</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">66,719</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Advances
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    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">763</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">763</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 0.125in"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrued
    interest payable</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.
<font style="text-decoration:underline">Cash and Cash Equivalents</font>: For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks
and interest-bearing deposits in other financial institutions with original maturities of less than ninety days.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">15.
<font style="text-decoration:underline">Goodwill</font>: Goodwill of $14.5 million was originally recorded in March 2005 when the Company, as part of its initial public
offering, purchased Frankfort First Bancorp, Inc., with a portion of the stock and cash proceeds from the offering. Goodwill and
intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized,
but tested for impairment at least annually. The Company has selected March 31 as the date to perform its annual impairment test
with more frequent monitoring if circumstances warrant. Intangible assets with definite useful lives are amortized over their
estimated useful lives to their estimated residual values. Goodwill is the only intangible asset with an indefinite life on our
balance sheet. The Company adopted ASU No. 2017-04, <i>Intangibles-Goodwill and Other (Topic 350) Simplifying the Test for Goodwill
Impairment, </i>effective April 1, 2020.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">16.
<font style="text-decoration:underline">Cash Surrender Value of Life Insurance</font>: First Federal of Kentucky has purchased life insurance policies on certain key
executives. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance
sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">17.
<font style="text-decoration:underline">Treasury Stock</font>: Treasury stock is stated at cost. Cost is determined by the first-in, first-out method.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">18.
<font style="text-decoration:underline">Related Party Transactions</font>: Loans outstanding to executive officers, directors, significant shareholders and their affiliates
(related parties) at June 30, 2020 and 2019 are summarized as follows:</font></p><br/><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(in
    thousands)</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="border-bottom: Black 1.5pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2019</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td colspan="2" style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 76%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outstanding
    principal, beginning of year</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,246</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 9%; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">845</font></td><td style="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes
    in composition of related parties</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(129</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Principal
    disbursed during the year</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">--</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">538</font></td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; ">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Principal
    repaid and refinanced during the year</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(70</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(137</font></td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1.5pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">)</font></td></tr>
<tr style="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Outstanding
    principal, end of year</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,047</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td>
    <td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</font></td><td style="border-bottom: Black 4pt double; font: bold 10pt Times New Roman, Times, Serif; text-align: right"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,246</font></td><td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 4pt; text-align: left"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#xa0;</font></td></tr>
</table><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits
from related parties held by the Company at June 30, 2020 and 2019 totaled $3.3 million and $2.2 million, respectively.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">19.
<font style="text-decoration:underline">Comprehensive Income and Accumulated Comprehensive Income</font>: Comprehensive income consists of net income and other comprehensive
income. Other comprehensive income includes unrealized gains and losses on securities available for sale, net of tax, for the
period which are also recognized as separate components of equity. Accumulated comprehensive income consists solely of unrealized
gain or loss on available-for-sale securities at the end of the period.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">20.
<font style="text-decoration:underline">Revenue Recognition</font>: The Company&#x2019;s revenue-generating activities accounted for under Topic 606 includes primarily
service charges and fees on deposits and other service charges and fees and comprise the majority of other non-interest income
on the statement of income. Service charges and fees on deposits are primarily overdraft fees, dormant account fees, and service
charges on checking and savings accounts. Overdraft fees are recognized at the time an account is overdrawn. Dormant account fees
are recognized when an account is inactive for at least 365 days. Service charges on checking and savings accounts are primarily
account maintenance services performed and recognized in the same calendar month. Other deposit-based service charges and fees
include transaction-based services completed at the request of the customer and recognized at the time the transaction is completed.
These transaction-based services include ATM usage and stop payment services. All service charges and fees on deposits are withdrawn
from the customer&#x2019;s account at the time the service is provided.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">21.
<font style="text-decoration:underline">Loss Contingencies</font>: Loss contingencies, including claims and legal actions arising in the ordinary course of business,
are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Management does not believe there now are such matters that will have a material effect on the financial statements.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">22.
<font style="text-decoration:underline">Loan Commitments and Related Financial Instruments</font>: Financial instruments include off-balance sheet credit instruments,
such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for
these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments
are recorded when they are funded.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.
<font style="text-decoration:underline">Dividend Restriction</font>: Banking regulations require maintaining certain capital levels and may limit the dividends paid by
the banks to the holding company or by the holding company to shareholders.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">24.
<font style="text-decoration:underline">Operating Segments</font>: While the chief decision-makers monitor the revenue streams of the various products and services, operations
are managed and financial performance is evaluated on a Company-wide basis. Operating segments are aggregated into one as operating
results for all segments are similar. Accordingly, all of the financial service operations are considered by management to be
aggregated in one reportable operating segment.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-align: justify; text-indent: 0"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">25.
<font style="text-decoration:underline">Reclassifications</font>: Some items in the prior year financial statements were reclassified to conform to the current presentation.
Reclassifications had no effect on prior year net income or shareholders&#x2019; equity.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; margin-left: 0in; text-indent: 0in; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">26.
<font style="text-decoration:underline">New Accounting Standards:</font></font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>FASB
ASC 326 -</i></b> In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments &#x2013; Credit Losses (Topic 326): Measurement
of Credit Losses on Financial Instruments.&#xa0; The final standard will change estimates for credit losses related to financial
assets measured at amortized cost such as loans, held-to-maturity debt securities, and certain other contracts. For estimating
credit losses, the FASB is replacing the incurred loss model with an expected loss model, which is referred to as the current
expected credit loss (CECL) model. The Company will now use forward-looking information to enhance its credit loss estimates.
The amendment requires enhanced disclosures to aid investors and other users of financial statements to better understand significant
estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of our portfolio.
The largest impact to the Company will be on its allowance for loan and lease losses, although the ASU also amends the accounting
for credit losses on available-for-sale debt securities, held-to-maturity securities, and purchased financial assets with credit
deterioration. The standard is effective for public companies for annual periods and interim periods within those annual periods
beginning after December 15, 2019. However, the FASB has delayed the implementation of the ASU for smaller reporting companies
until years beginning after December 15, 2022, or in the Company&#x2019;s case the fiscal year beginning July 1, 2023.&#xa0; ASU
2016-13 will be applied through a cumulative effect adjustment to retained earnings (modified-retrospective approach), except
for debt securities for which an other-than-temporary impairment had been recognized before the effective date. A prospective
transition approach is required for these debt securities. We have formed a functional committee that is assessing our data and
system needs and are evaluating the impact of adopting the new guidance. We expect to recognize a one-time cumulative effect adjustment
to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective, but
cannot yet determine the magnitude of any such one-time adjustment or the overall impact of the new guidance on the consolidated
financial statements. However, the Company does expect ASU 2016-13 to add complexity and costs to its current credit loss evaluation
process.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>FASB
ASC 842 &#x2013;</i></b> In March 2017, the FASB issued ASU No. 2016-02, <i>Leases (Topic 842). </i>This guidance changes lease
accounting by introducing the core principle that a lessee should recognize the assets and liabilities that arise from operating
leases under the premise that all leases create an asset and a liability for the lessee in accordance with FASB Concepts Statement
No. 6, <i>Elements of Financial </i>Statements. The Company adopted this ASU effective July 1, 2019, with no recordation of right-to-use
lease assets or operating lease liabilities, because the level of operating leases was determined to be immaterial.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>FASB
ASC 350 &#x2013;</i></b> In January 2017, the FASB issued ASU No. 2017-04, <i>Intangibles-Goodwill and Other (Topic 350) Simplifying
the Test for Goodwill Impairment. </i>This guidance modifies the concept of impairment from the condition that exists when the
carrying amount of goodwill exceeds its implied fair value to the condition that exists when the carrying amount of a reporting
unit exceeds its fair value. For public business entities, the amendments in this update are effective for fiscal years, and the
interim periods within those fiscal years, beginning after December 15, 2019. The Company adopted ASU No. 2017-04 effective April
1, 2020, and recorded a goodwill impairment charge, which had no tax impact, of $13.6 million, or $1.64 per common share, during
the quarter ended June 30, 2020, which represented 93.5% of goodwill previously reported.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>FASB
ASC 820 &#x2013;</i></b> In August 2018, the FASB issued ASU No. 2018-13, <i>Fair Value Measurement (Topic 820) Disclosure Framework-Changes
to the Disclosure Requirements for Fair Value Measurement. </i>This guidance reduces the level of detail surrounding the processes
used by the Company in determining the fair value of some of its assets. For public business entities, the amendments in this
update are effective for fiscal years, and the interim periods within those fiscal years, beginning after December 15, 2019, or
July 1, 2020, with respect to the Company.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i>FASB
ASC 740&#x2013;</i></b> In December 2019, the FASB issued ASU 2019-12, <i>Income Taxes (Topic 740), Simplifying the Accounting
for Income Taxes. </i>The amendments in this ASU removes certain exceptions for recognizing deferred taxes for investments, performing
intraperiod allocation and calculating income taxes during interim periods. The ASU also adds guidance to reduce complexity in
certain areas, including recognizing deferred taxes for tax goodwill and allocating taxes to members of a consolidated group.
For public business entities, the amendments in this ASU are effective for fiscal years, and interim periods within those fiscal
years, beginning after December 15, 2020, or July 1, 2021, with respect to the Company. Early adoption is permitted. We do not
anticipate a significant impact to our consolidated financial statements.</font></p><br/><p style="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.2in; text-indent: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other
accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have
a material impact on the Company&#x2019;s financial position, results of operations or cash flows.</font></p><br/><span></span>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for all significant accounting policies of the reporting entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Publisher FASB<br> -Name Accounting Standards Codification<br> -Topic 235<br> -URI http://asc.fasb.org/topic&amp;trid=2122369<br></p></div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
